![]() However, if you have clothing items that are particularly valuable, such as a couture gown, list those separately. For small items like clothing and books, you don’t have to count each item individually – just list the number of items you own in a category, such as shoes or pants. #Home inventory service serial#For appliances (especially major appliances, such as refrigerators and and washers and dryers) and electronics, include the make, model, and serial number, which you can usually find on the back or bottom. As you list each item on your home inventory, add a description with details such as where and when you bought it and what condition it’s in. The more documentation you can provide with your home inventory, the better. ![]() In fact, the Insurance Information Institute (III) recommends making a home inventory even before you sign up for a home insurance policy to figure out just how much coverage you need. #Home inventory service full#By making a list of your belongings, with photos to back it up, you can show exactly what you owned before the claim and how much it was worth. Keeping an up-to-date home inventory makes it easier to get an insurance claim settled quickly and make sure you get the full amount that’s due to you. That’s where your home inventory comes in. So you have to provide a list of the items you’ve lost – something that is hard to do from memory. That’s because a disaster doesn’t always destroy everything inside your home, and the company doesn’t want to reimburse you for anything that you still have. However, no matter which type of coverage you have, the company doesn’t simply write you a check for this amount when you file a claim. For $79 (or just $1.52 per week), join more than 1 million members and don't miss their upcoming stock picks. Motley Fool Stock Advisor recommendations have an average return of 397%. Others cover only the actual cash value, the price that your belongings would fetch if you sold them in their current condition. Some policies cover the replacement value of your goods, or the amount it would cost to buy new items to replace the ones you’ve lost. When you buy a home insurance policy, it lists two numbers for property coverage: one for the value of the dwelling itself, and one for “personal property.” This second number is the maximum amount you can claim for belongings that are destroyed in a covered disaster, such as a fire or mudslide. A list like this is called a home inventory, and it’s the best friend you can have when you need to file a home insurance claim. But fortunately, you don’t have to. Instead, you can write out your list ahead of time, while all your possessions are intact and right in front of you. Unless you have a mind like a computer, the answer is probably no. The company tells you that in order to process the claim, they need a complete list of everything in the home you’ve lost with details, such as the age and estimated value of each item. Would you be able to come up with that list from memory? Once you recover from your shock, you call your home insurance company to file a claim. ![]() You and your family escape unharmed, but by the time the fire is extinguished, there’s hardly anything left of the house or its contents. Imagine that one night your house catches fire. ![]()
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