Each year it seems we are experiencing more and more disasters in our communities. Whether it be a hurricane, tornado, fire or flood it can be painful and devastating! The burden is on you, the insured, to write detailed lists of all of your affected areas. If all your belongings and property are destroyed how do you remember it all? It is nearly impossible! However, if you take some time and prepare right now, it can save you thousands of dollars.
Consider Digitally Documenting Your Property Before A Loss!
How do I do that?What does it take?- Set aside some uninterrupted time
- Have a camera available, make sure it is charged (have extra batteries)
- Get a friend to help you
Here are some tips to help you!Go slowly.
Do outside first, documenting in photos and words what is there:
• EVERYTHING…. Landscaping – plants itemized
• Exterior – all walls – top to bottom
• Furniture, roof, art work, etc. and landscaping on walls, around pool
• Take photos of pool, spa, garage, attached or detached, storage sheds, inside and out
• Windows/screens, A/C unit, reference materials, what is it, who is the manufacturer, serial numbers etc.
Do inside of garage:
• Photograph what is on interior walls, on floor, inside cabinets. Reference name brand, model, etc. on everything
• Water conditioners, HVAC
• Sprinkler system box, tools, machinery, appliances inside
• Open all boxes, inventory each one
Tips for inside of house:
• Sketch out rooms, size, etc. or use blueprint
• Start at ceiling and work to floor
• Left side to right
Include:
• Ceiling texture, wall texture, ceiling molding, all lighting, ceiling fans, speakers, air vents, etc. alarm systems, photograph type of flooring, baseboards, window treatments, wall art. (Film what is on and in everything)
• Open cabinets and drawers
• Reference materials used
• Furniture maker, age if known
• Electronics – film and document, make, model, serial numbers
• Computers – film and document all software installed
• Don’t forget closets, clothing, shoes, built ins, etc.
Don’t forget to photograph your children’s phone, iPad, iPod, MP3 players, sporting equipment, etc.
Precious and costume jewelry
Fine art and collectibles
Burn DVD:Make an extra copy and send to a friend or family member out of state
Checkout these websites for more information
www.statefarm.com/_pdf/home_inventory_checklist.pdf www.knowyourstuff.org
Sandi Wagner
Vice President/Managing Broker
Watson Realty Corp.
Intracoastal Office
SWagner@WatsonRealtyCorp.com