Home Inventory List

Home Inventory List

Disaster can and does strike without so much as a second of warning. Just like that, your household is utterly and completely turned into a scene of chaos. Decisions must be made quickly. It cannot be a time of deliberate thought or planning – you have to get out and fast. From tornadoes and floods to fires and ice storms, Americans understand the realities of losing everything to the whims of nature. Of course, property losses can occur for many other reasons as well.

Childress Insurance Agency, 2391 West Main Street in Cabot, Arkansas is not only about providing you a sense of comfort and reassurance in these moments. We simply offer nothing less than an all-inclusive set of services to be prepared before, during and after life-altering events. Moreover, we can get you started with some timely advice and tips to utilize in anticipation of future challenges. Let’s get going!

* Be a list taker – Start with a plan to go from one room to the next and stick with it. That way, you can compile a full inventory of items to include things like model numbers, owners’ manuals, serial numbers, etc. The information makes it much easier to locate answers to the typical questions an insurance agent will be asking. Items of high value – computers, refrigerators, freezers and major furnishings like sofas and table sets, among others – should be on your list.

* Don’t forget the details – More than likely, you’ll be swamped with competing demands when a disaster occurs. When compiling the inventory list, grab your camera and snap photos and/or videos of your belongings as a means of additional documentation. And, be mindful of keeping receipts for your items whenever possible because it can certainly make the process easier.

* Estimating the value of things – It may be more feasible to maintain more detailed records of major household items like appliances or furniture, so when coming up with dollar amounts for items like clothes, shoes and kitchen utensils it probably makes better sense to provide an estimated value. Again, make use of photos to document what you have. Another tip is to group as many things together as you can – for instance, taking all the belts or earrings and submitting a total count. We are here Monday-Wednesday and Friday, from 8 a.m.-5 p.m. and on Thursday from 9 a.m.-5 p.m. to help answer questions you may have about the list.

* As with your possessions, organize important paperwork (medical records, insurance and contact information). You’ll want to make copies of this information for storage in safe deposit boxes, sealed document casings, trusted friends or family. Remember: If your home is lost to a fire or tornado, the inventory list is likely gone as well. Basically, you should inventory the list itself! Visit our web site at www.childressinsuranceagency.com for more information about this topic, finding an agent and a host of other needs.

* Update and update – Most of us purchase new gadgets, clothes and many other household items on a regular basis. Therefore, it makes perfect sense to update inventory lists for including them. One suggestion might be to set up a template for how your inventory will be recorded so that each addition can be put there seamlessly.

* Inventory lists offer assurance about your insurance – It may sound a bit clich√©, but the most important factor to consider when putting your home’s inventory on paper is about us!¬† As your trusted agency, we are fully committed to making sure your claim covers all the things you seek to replace. Keeping the list correct and updated should also mean making adjustments to your policy, whether owning or renting a property. The last thing you want is for your claim to be unable to cover the losses.

Call us at (501) 941-1148 for a policy review to make sure it’s up-to-date.

 

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Monday, March 17th, 2014 Home Insurance No Comments

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