Were you recently a victim of a house fire, and now you are responsible for trying to remember all of the things that were in your home so that you can be reimbursed for your personal property? If so, know that there are a few ways that you can do it.
Let The Insurance Adjuster Handle Your Personal Property
The easiest way to deal with your personal property is to let the insurance adjuster handle it all. You are essentially putting the responsibility on someone else to make some educated guesses about what was in your home. Many estimates are made based on what a typical home has according to the square footage, bedrooms, bathrooms, and any specifics that you share that are unique to your home.
The problem with letting an insurance adjuster handle it is that they do not know everything that is in your home like you do. You may end up getting less money from personal property damage than if you took the time to figure it out yourself.
List Your Personal Property As A Family
If you want to list all of your personal property so that you do not miss anything, the best thing to do will be to make a list of your personal property as a family. This is done by sitting together and picking a room, then starting at one wall and listing as many things as you can that would be on that wall. This not only includes the big furniture items but all of the small things that could be inside them. Once you feel like you have a wall completely inventoried, you'll move to the next wall and do the same thing. When you finally finish a room, you will then move to the next room and repeat the process.
The nice thing about listing your personal property in this way is that it works great in a total loss situation. It will prevent you from forgetting those small things in your home by working together. However, it can be very time-consuming, and it is up to your family to list every single item.
Take Photos And List Personal Property Later
If you are able to go through the home and look at what you have, it will help to take pictures of everything that you can so that you can make a list of your personal property later. Even if you have a total loss situation, you should be taking pictures of things as they are thrown away so that you can potentially remember things you forgot about.
Contact a local insurance company to learn more about home fire insurance coverage.Share