What to know when filing Home Insurance Claim

After a home burglary, safety is the biggest concern. When it is safe to enter, you will need to file your a claim with your Insurance carrier. After a fire loss it will be important to be detail to provide losses to your insurance company.

Four Steps to Home Inventory Checklist:
  1. Do a walk through, make a detail list of inventory in your home. Take your smartphone as you walk through your home and describe the items you see. On your list be as detailed as possible, make, models, quantities, and value of the items. Be sure to open drawers, closets and bags.
  2. Keep your list in a safe place that a fire or  thief can’t get to it. Create a list and store it in your cloud, such as Google, One Drive, or phone storage. Upload your videos and photos to your Cloud. Be sure to share the file with your spouse, in case you forget your password.
  3. Continue to update your Inventory list each time to make a significant purchase. Be sure to add detail information on your list while its still fresh in you mind. Be sure to take a picture of the receipt and upload to the cloud. This is also a good time to delete items that you have replaced or no longer own
  4.  Consider Value items and be detailed. Valued items such as Jewelry, Art, and Collectibles may have an increase in value since its first purchased. Firearms, make sure you have Serial numbers and pictures of the Firearms that are stolen. Be sure to report them stolen to local law enforcement. Make sure you have adequate insurance coverage for these items as they may need to have additional coverages.

To Learn more about how RC Insurance can help you protect your Home and belongings, checkout our Home Insurance page and be sure to contact us for a consultation.