A home inventory is one of those things that you don’t realize you need until it is too late. When you file a claim on your home insurance after a loss, depending on the type of loss, you may need to provide the insurance company with a list of what was lost. When you have just been traumatized by the damage, it is hard to even imagine what you had previous to the peril happening. At Magic City Insurance Group LLC in Birmingham, AL, we want to make sure that you understand why you need to have a home inventory.
A home inventory is a list of all the contents of your home. It can be created in a variety of ways, but no matter what way you choose, it needs to be detailed and comprehensive. You can start with a pad and pencil, but be sure to have a way to take pictures of every room.
Inventory one room at a time. List the obvious things you can see. In the case of electronics or appliances, give the brand, model, and serial number if available. Attach any sales slips or invoices that you have to back up the details. Open drawers, closets, and cabinets. Go through every room in your home and don’t forget the basement and attic. You should also include the garage and a shed if you have one,
Take pictures of every room from different angles to include as much detail as possible. Once everything is complete, the inventory needs to be placed somewhere safe, preferably not in the home. If you have a safe deposit box that is good or in the Cloud. You need the inventory to be available if you need it.
In Birmingham, AL, contact Magic City Insurance Group LLC when you need an independent insurance agent.