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How Fifteen Minutes Can Mean $ 15,000 or More to Your Homeowners Personal Property Claims | Legal insurance blog for property insurance



Take fifteen minutes today and take an inventory of the personal property and surface treatment in your home.

One of the most daunting tasks after a home loss is creating a personal inventory. For major losses, the time required to properly document damaged and destroyed items to recover all benefits that are due under the policy may correspond to a part-time job. An additional obstacle to recovering all the benefits that are due, especially after a fire damage claim, is that the personal property that you have accumulated over the years is correctly recalled. make a video inventory of your personal property and the decor of your home (if you have time to create a written list, the better). Keep in mind the following tips:

  • If you are using a smartphone, make video inventory one room at a time so you can easily send and save each video.
  • Open and record the contents of all drawers, cabinets, storage containers and closets;
  • Include make, model and serial number, if applicable (especially for electronics);
  • Include clothing brands that display the brand;
  • Remove coatings from furniture ( eg tablecloths on the kitchen table or sheets on the mattress to reveal the thorns);
  • Do not forget storage compartments in the basement, tools in the garage or Christmas decorations in the attic;
  • Include video of room finishes and fixtures (to help with total loss to identify decor, floor coverings, cabinet style);
  • Complete and update your video inventory at least once a year.

Once you have completed the video inventory, save it to an external location that is available if your content is destroyed . Do not just save the video inventory on your phone or laptop. Consider emailing it to yourself or a relative or saving it to a cloud-based storage service.

This proposal is not only for the average policyholder but also for professionals who may have overlooked carrying out this simple task. I'm talking from experience. During a new move, some of my personal items were moved by the moving company and I had to create an inventory. Fortunately, the items were found later and sent back to me. I got the unique opportunity to compare my inventory list with the items that were returned. I had only caught about two thirds of the total object. If my property was not found, I would have left thousands of dollars on the table. I now have a video inventory, anyway.

If you need more convincing, make a list of all the items in your bedroom closet right now without looking, with as much detail as you can. Then compare your list with the actual items in your closet. Now try the same thing for a small storage cabinet that you do not get in and out of every day. The results may surprise you.

You can find similar tips and general guidance on personal property inventories in our previous blogs, 1

and even find discussions on smart phone applications that can help in the process. [19659002] Also, be sure to check out what United Insuranceholders, a non-profit organization in San Francisco that offers free insurance information to policyholders, has to offer. This includes How to create an inventory of the home and Tips for home storage and content .

It's better to complete a 15-minute video inventory and never need it than to be in a situation you wish you had. As John Trusler's proverb says, there is no time like now – check out this task from your to-do list today.
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1 Contents Inventory Smart Phone App and Document Your Personal Property, Part I [
2 Contents Inventory Smart Phone App and Document Your Personal Property, Part II .


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