How to Be Proactive and Keep an Accurate Record of Your Home’s Contents
As warmer weather rolls in, so does the storm season, bringing unpredictable weather that can include heavy rains, strong winds, and even tornadoes. The threat of property damage increases during this time, making it crucial to be prepared.
One essential step in safeguarding your home and its contents is to maintain an accurate and up-to-date record of everything you own. Here are some proactive tips to help you stay organized and prepared.
1.) Conduct a Thorough Inventory
Begin by conducting a detailed inventory of your home. Go room by room, documenting every item, including furniture, electronics, appliances, clothing, and valuables. Use a spreadsheet or inventory app to record:
– Item description: Include brand, model, and serial numbers if applicable.
– Purchase date: Note when the item was bought.
– Purchase price: Record the original cost.
– Current condition: Briefly describe the state of the item.
For high-value items, consider noting any distinguishing features that can help in identification.
If you do not have your original receipt it is worth checking with the retailer you purchased it from as they may have your purchase history on record. This can help you know things such as the purchase date, price, and how long you have had the item.
As mentioned above, there are apps available to help with this process. HERE IS A LINK to one from The National Association of Insurance Commissioners (NAIC) called The Home Inventory App.
2.) Photograph and Videotape Your Belongings
Visual evidence is incredibly helpful during insurance claims. Take clear, detailed photographs of each item, ensuring you capture serial numbers and other identifiers. Additionally, create a video walkthrough of your home, narrating as you go. This provides context and a comprehensive view of your possessions in their natural setting.
3.) Store Documentation Safely
Keep copies of your inventory, photos, and videos in multiple safe locations. Digital copies should be stored on a secure cloud service, providing access from anywhere. Physical copies can be kept in a fireproof and waterproof safe, or at an offsite location like a safety deposit box.
4.) Regular Updates
Regularly update your inventory to reflect new purchases and gifts. Set reminders to review and update your records at least twice a year, and after significant events like large purchases or spring cleaning.
5.) Check Your Insurance Coverage
Review your homeowner’s or renter’s insurance policy to ensure it adequately covers the value of your belongings. Make sure to understand the terms, coverage limits, and what is required in the event of a claim. Consider additional coverage for high-value items if necessary. Beck Insurance Agency can help make sure you are properly protected.
6.) Protect Important Documents
Spring storms can cause water and wind damage, which might affect important documents. Keep vital records like birth certificates, passports, and financial documents in a safe place. Digital copies of these documents should also be stored securely online.
7.) Prepare an Emergency Plan
Beyond documenting your belongings, have a proactive emergency plan in place. This includes:
-Emergency Kit: Assemble a kit with essentials like water, non-perishable food, medications, flashlights, batteries, and first-aid supplies.
-Evacuation Plan: Know your local evacuation routes and have a plan for where to go and how to contact family members if separated.
-Home Maintenance: Regularly check and maintain your home to withstand storms. Clean gutters, inspect the roof, and secure outdoor items that could become projectiles.
8.) Community Awareness
Stay informed about the weather conditions in your area. Use weather apps and local news alerts to keep track of storm warnings and updates. Being aware of imminent threats allows you to take timely action to protect your home and family.
Storm season demands proactive measures to protect your home and its contents. By maintaining a detailed and updated inventory, ensuring your insurance coverage is adequate, and preparing for emergencies, you can mitigate the impact of storm-related damage. Taking these steps not only provides peace of mind but also ensures that you are well-prepared to better handle future adverse weather events that come your way.
