Providing this information enables your insurer to swiftly evaluate the value of claimed losses, expediting the repair or replacement process.

Comprehensive property inventory provided by us:
- A written descriptions of the items, including manufacturer, model, SKU, or serial number if applicable.
- We will enhance our written list by supplementing it with photographs of larger items and any relevant documents from the time of purchase.
- For valuable items like jewelry, art, antiques, or collectibles lacking proper documentation, we will obtain expert appraisals for accurate assessments.
- A website link or bid showing the item’s replacement value.

Prove your damages:
The documentation we provide will be presented to your insurer. While your insurance company is obligated to handle your claim in good faith and with fairness, they are not obligated to disburse any funds until you substantiate your losses according to the terms of your policy.

Document your loss:
Once the immediate danger has passed, contact us to start capturing images and recordings of the property damage. Our approach is of abundance – the more, the better. There is no such thing as having too many photos and videos in this situation, but having too few could be a shortfall. We will ensure a comprehensive view in your documentation by including shots from a distance to encompass the entire property and close-up shots to capture intricate details of the damage.

Immediately inform your insurance provider:
Either simultaneously with or immediately after we document your losses, it is essential to notify your insurance company of the damage to your property. Promptly informing your insurer about a covered loss is a fundamental responsibility following an incident. Any delay in reporting the loss should be reasonable and justifiable.

Tip:
Record all interactions involving you, the insurance company, and their representatives meticulously. For each conversation, make a record of the time, date, names of individuals on the call (including employee ID number if applicable), and the content of the discussion—particularly the information conveyed by the insurance company representatives. Minimize the necessity for diary entries by opting for written communication whenever possible.

Submit a proof of loss:
A Proof of Loss (POL) is a signed document encompassing all the necessary evidence to substantiate your claim. It outlines the nature of the damage, estimates for necessary repairs, and receipts for completed repair work.

Regular updates:
Contact us to update your inventory at least annually and incorporate new purchases promptly to ensure accurate coverage adjustments.

Note:
The above information does not necessarily represent every insurance provider’s policy. It is imperative for you to gather the claim documents necessary directly from your insurance company.

Storage:
Consider storing your documentation in a secure location such as a bank's safe deposit box, at a friend or family member's residence, digitally in the cloud, or on an inventory-specific app. The key is to have access even if your original device is compromised in a natural disaster.

Keep in mind that a thoroughly documented home inventory not only streamlines the claims process but also becomes a valuable asset during times of stress and uncertainty.

Ultimately, the specific format of your home inventory list is not crucial. What does matter is ensuring that you maintain copies of it outside your property.

The contents of your home are covered through your home insurance policy, condo or coop insurance, or renters policy. If your policy has a high deductible, you won't be reimbursed for any loss below that amount. A policy with full replacement cost coverage lets you replace an item for its current price, not what you paid for it. Your personal property may also be covered while traveling.

The type of coverage you have, whether replacement cost or actual cash value, determines the amount you'll receive in a claim.

Replacement cost coverage means the insurance company may repair or replace the item, providing the funds needed to purchase a new one.

Actual cash value coverage covers the item's value minus depreciation, offering more limited protection. Check with your insurance agent to clarify your coverage, and if it's actual cash value, consider obtaining a quote for replacement cost insurance.