How to Take the Ultimate Home Inventory
Would you be able to list everything that was damaged, destroyed or lost in your house or apartment if you had to file a claim with your insurance company?
Trying to remember everything as you are dealing with the mental trauma of your abode being destroyed is not an easy task. You can avoid this potential distress - and the risk of your insurer disputing or not paying the claim - by preparing a detailed home inventory.
Having a home inventory can make filing a claim much easier. It may sound like a daunting task to just get started, but fortunately TWS Home Inventory and Asset Management Group has created this handy list to help you take stock of your stuff.
Take photos of the outside of the home
Shoot the property from all sides, including any landscaping, outdoor furniture and accouterments.
Take photos of each room from all angles
Make sure that your pictures cover every piece of furniture, art and other decorations in every room.
Open every closet, cupboard and drawer
Go through all the places that you keep your possessions and, if you find anything of value,
Don't forget to photograph and document your clothes. If you have any expensive items, like fur coats, business suits or fancy dresses, take separate photos of them.
Note the model, serial number of electronic items
Take pictures and list the details of computers, mobile phones, tablets, TVs, stereo systems, etc.
Pay extra attention to china, crystal and silver
If you have a fancy set of china and cutlery, place it all on a table and take a picture. Take pics of the front and back of your plates, to show the brand name and the pattern.
Cover the garage as well
Take pictures of everything in there - your tools, equipment, sporting goods, bikes, etc.
Photograph family heirlooms
Include rare items you have inherited when taking pictures. Even though insurance can't replace the sentimental value, it may replace the cost of those items.
Scan all receipts
Get into the habit of scanning your receipts and taking a picture of the item to keep with your receipt. Keep things organized with one folder for each room.
Keep inventory off-premises
You should have a home inventory at home, but also keep one off your premises. Store it on the cloud with a free service like dropbox.com.
After you’ve gone through an inventoried your home, you may realize you don’t have enough coverage. If that’s the case, give me a call, and I’ll make sure you are.