Thursday, February 9, 2012

Save Yourself a Headache- Create an Inventory

     After a disaster in your home or place of business, your insurance company will require an itemized list of your belongings and contents. To ensure fair and accurate compensation, it is important that you keep your list up to date and document valuable items.
There are several methods to completing a list and each household or business will have their own preference.
Though time consuming, the most thorough and accurate method is to keep an itemized list, either on paper or electronically, of all items purchased. Document the serial number, the make, the model number, and purchase price and date if available. Including all of this information will insure that you will be fairly compensated for any damage to your belongings and will reduce stress in a typically high-stress situation should you suffer from a disaster.
Another method is to take photographs or videos of your property: wall to wall, ceiling to floor. Update your photo-documentation annually or as changes are made within and on your property. When doing this method, be sure to pan in on or zoom in on more valuable items and making clear through the images the significance of the item. Save your inventory in a safe place and make it easily accessible. Some insurance agents suggest placing a copy your document, whether on a CD, DVD, jump-drive, memory card, etc in a safety deposit box or in a safe place. Providing a copy to a relative could be helpful as well should you experience a disaster.
SERVPRO of Grand junction is providing assistance for inventory and kits at no cost. Visit ReadyGJ.com have a free home emergency kit shipped directly to you.

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