Best Home Video – Home Inventory
Imagine trying to list every possession you own along with each item’s worth after your home as been destroyed by fire or a natural disaster. The task will feel overwhelming. Having a detailed home inventory can make the difference between a paid and a disputed claim. Do not rely solely on your memory.
Consider these tips
- Discuss your homeowner’s policy with your agent. Are you covered for the replacement value on your possessions or only the depreciated value? You may need special coverage if you have expensive collections or unique items like musical instruments, firearms, golf clubs, etc.
- Take photos and/or videos.
- Photograph the outside of your house from at least four angles. Be sure to photograph your home’s landscaping, outdoor furniture and decorations.
- Make a room-by-room photographic inventory. Take as many pictures as needed to inventory every room in your house. Be sure to document items in closets, cupboards and drawers, noting when and where items were obtained and the cost. If possible scan receipts to keep with your home inventory. Clothes, shoes, purses and jewelry can add up. Take separate photos of items over $350 in value.
- Electronics are major purchases. List and photograph model and serial numbers for electronics including televisions, stereos, computers and mobile devices.
- Lay out a full set of your china, silverware or other valuables and photograph. Include a picture to show the brand and pattern. Then count and photograph where the items are stored to show the number of sets you own.
- Take photos of things that cannot be replaced.(family photographs. mementos, heirlooms) Although these items are irreplaceable, make copies so you will have a record of the items. Remember to discuss rare or high end items with your agent and photograph separately.
- Inventory the garage. Document bicycles, sports equipment, tools, lawn mowers and other items stored in your garage.
- Remember to inform your agent of major updates. Include photos of window coverings, hardwood floors, finished basement, decks etc.
Store the home inventory off premises. E-mail a copy to yourself and use cloud storage to keep copies electronically or save on a flash drive and keep it in a safe deposit box. Don’t save the inventory only on a computer drive that could be destroyed.
Contact Cobb-Hall Insurance for solutions designed specifically to meet your needs.