What to do with Your Personal Property Before an Insurance Claim

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What to do with Youí Peísonal Píopeíty Befoíe an
Insuíance Claim
Youi peisonal piopeity is the most sentimental
pait of any insuiance claim. Fuitheimoie, the
contents aie also the most tedious to adjust.
Typically, its stated in youi policy that you,
as the policyholdei, aie iesponsible to piovide
the contents damages to the insuiance company.
Howevei, some insuiance companies do aid in
doing theii own inventoiy of youi home aftei a
loss.
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In oui expeiience, insuiance companies miss many
things and only piicing the high-piiced items.
By completing a few tasks befoie an insuiance
claim, the time saved and youi likelihood of a
highei compensation will diamatically
inciease. Before a Loss Hopefully, a laige loss
nevei happens to you. But, being piepaied is
ciucial if this does occui. Most of these things
can be done without piofessional help. Heie is a
list of things you can do to ease youi peisonal
piopeity adjustment piocess. Keep Your
Receipts Keeping youi ieceipts is essential in
pioving the woith and date in which something
was puichased. Luckily, most of us puichase
things online and with ciedit caids that keep
extensive iecoids of these puichases. Obviously,
smallei things that aie puichased such as food
and othei quickly used things can go without a
ieceipt. Howevei, any expensive item you puichase
should have a iecoid eithei by you oi the stoiy
foi as long as you plan on keeping that item.
Pioviding ieceipts if a laige loss does occui
will quickly piove the items owneiship and
expedite youi compensation. Keep Your
Pictures Pictuies of you and youi family aie
excellent ways to show pioof of lost items. Foi
some public adjusteis, entiie inventoiies aie
conducted based on the peisonal piopeity visible
in the backgiound even though you and youi family
aie the focal points. The pictuies to keep
include any
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biithday paities, family gatheiings, holidays.
Essentially, any pictuie of youi home befoie the
loss is impoitant to keep. Lastly, tiy to keep
these photos somewheie safe away fiom any
potential damage such as a stoiage platfoim that
can be accessed fiom any electionic device. If
you have a photo album oi ?ash diive, these can
still be lost oi damage duiing a
disastei. Taking Pictures/Video of Your
Property Keeping pictuies, as stated above, is
impoitant in being piepaied foi a futuie
insuiance loss. Howevei, if you want to take
youi ieassuiance a step fuithei, you can take
time and have a pictuie of eveiy item in youi
home. This is easiest if you take geneial
pictuies of common items such as items in youi
kitchen. Note, do take the time to take moie
speci?c pictuies of antique and high-value
items. These pictuies should include details of
ielative dimensions, piice tags, oi model
numbeis. You can expedite this piocess by taking
a iecoiding oi seveial iecoidings of youi
peisonal piopeity. Again, if you choose to do
this, take extia time on the biggei ticket items
documenting the dimensions, biand, model
numbeis, etc. Pre-Loss Inventory A pie-loss
inventoiy can be done by you but can take up a
signi?cant amount of youi time. If you choose to
do this, be suie to have photos, ages, and
accuiate piices foi youi content. This is a veiy
tedious endeavoi but can save you months of
heaitache in the end. Theie aie some companies
that piovide inventoiy seivices, but theii piices
can be quite high.
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As youi items aie ieplaced in youi home, be suie
to iepeat some of these piocesses peiiodically
to ensuie youi peisonal piopeity is up to date.
Doing the lattei two eveiy few yeais will
guaiantee an easiei and quickei compensation
piocess in the event of an insuiance claim. If
you have moie questions on how to piepaie foi an
insuiance claim oi if you have an insuiance
claim and need help with the inventoiy contact
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