Catalog Your Stuff: Create a Home Inventory List Before You Need It
Imagine your home is destroyed by some catastrophic event. You can take some comfort knowing your homeowner’s or renter’s insurance policy covers the contents – in other words, all your beloved your stuff. A contractor or public adjuster can go through your house and estimate the damage to the building, but, it’s pretty difficult for an outsider to list every item that once occupied your house. It’s going to be up to you to make sure the list is comprehensive, so you can collect what you’re entitled to in your insurance claim.
As public adjusters, we recommend creating a list of your personal property and storing the list in a safe place. Your list should include photos, a description, where and when you purchased the item, and what you paid for it.
Do it before you need it.
Imagine having to list every single item in your home from a pencil and can of shaving cream, to furniture, wardrobe, personal papers, and books after a fire has destroyed everything. It’s time-consuming and emotionally draining. The photo above was once a beautiful family room. Can you tell what all of the contents used to look like? That’s why it’s best to do the contents list before you need it.
Sound overwhelming? It is. But there are a few tools that can help you out:
- Microsoft Excel templates: Open up Microsoft Excel, go to File>New from Template. Then type Home Inventory into the template search.
- Look at some samples: This will give you an idea of what one should look like. Here’s one from our favorite site, United Policyholders.
- Hire a personal property inventory specialist. Google it and find someone in your area. A little team will show up at your house with a voice recorder, go through all of your stuff, and type it all up including dollar values. As public adjusters for one of our clients, we used one of these organizations to list a total loss and there were thousands of items on the list. This service cost about $2,000 which wasn’t cheap, but was well worth it for that claim. But even though we did that, our client still had to go through that list with a fine-toothed comb to make sure everything was listed and correct.
- There’s an app for that! United Policyholders created an app for your home inventory. It’s pretty cool. You can store photos and everything.
Robert L. McCormack Public Adjusters, Inc. has more than fifty years in the insurance adjusting field and an A+ rating from the Better Business Bureau. We have adjusted every type of property claim there is: fire, storms, water, robbery, you name it. Licensed in Massachusetts, Rhode Island, Florida, and Texas, we can handle your claim from start to finish. Contact us today via email or telephone 508-588-4243.