There are some things we miss when we are in the quiet of the house, and we see what the future may help to just having the data of our things.
For example: the name of the brand and model of your TV in your house or apartment?
How much does it cost the team? What is the serial number of your camera? Would you answer these questions without looking? Now imagine how difficult it would to get this information with your belongings while dealing with the stress of a fire, theft or natural disasters. In this case, you can spend hours trying to remember just to realize all that you forgot after your claim has been processed. You might not even be able to produce the necessary evidence for the claim is accepted.
How can I help my home on inventory?
In the unfortunate event of a major loss, your insurance company will have a great deal of information to process your claim. Once you create a home inventory, this process will be much easier and should be completed more quickly. Otherwise, it might not be able to account for everything, and if you cannot provide the required information, you may receive less than full compensation for their loss. Also, depending on your situation and the tax laws where you live, this information may also be required for a tax credit. And finally, if you file a police report of stolen items, with the model number and serial number to improve your chances of recovering stolen property.
What does it take to start?
Although you may pay a service company to get home and conduct a home inventory, many people do it yourself through an inventory or a software program to record your home inventory. Some people also include photographs, digital images, or videotape. Whatever you decide, you will need to register the following information about each topic: description, make/model, serial number and condition.
Also have to record information about the value of each item. Depending on whether your insurance company pays claims based on “replacement value” or “present value”, you must register details such as: purchase price, replacement cost, present value and when or where it was purchased.
To provide as much information as possible, you should also take pictures or video to document the existence and condition of the items in your home inventory. Note that some software programs have a feature that lets you import your digital pictures to store the image with every post. These programs typically allow you to save data to a backup disk and / or print a report for safekeeping in a safety deposit box, your workplace, or home of a friend. Or even better save it via the Internet in a digital photo album.
How to conduct an inventory of your house
Now that you know what you need, here’s how to get started:
Systematically go through your house or apartment with one room at a time. List each of the elements in the room, including the contents of desks, drawers, cupboards, etc. Describe each of the items as completely as possible, recording all the details. When you finish all the rooms in your home, do not forget the garage, yard, or if necessary outside the buildings, etc.
Well, after you’ve completed the inventory of your home, you know what you have and how much it was worth it?Just now review your home insurance policy. Are you really safe? Perhaps for the first time, you can easily answer this question by comparing your policy amount and the total value of your household items.
Remember, if you keep your home inventory list at home, could be destroyed along with their belongings. If your home inventory consists of a written list, floppy, cd-rom, paper report, photographs, or whatever, be sure to store in a safe place, preferably somewhere else, and your workplace, the home of a friend, or in a safe or better yet online on the internet. Perhaps you’ve been reading this article and think about creating your own inventory of the house. It may well start now while your mind is fresh!