Understanding your insurance coverage and what is required to file a claim:
Be sure that all your items are covered under your current policy and what exceptions may be applicable.
You might be surprised at the list of exceptions that some insurance companies have listed. You may also have options for more comprehenve coverage at a reasonable cost.
Filing an insurance claim:
When filing a claim for destroyed or stolen items, having independent 3rd party documentation will make filing a claim easier, more credible and result in a quicker, more complete reimbursement.
Most insurance companies suggest a documented record of your personal property. It will be required in the event of a loss. Since there is not a standard format across the various insurance companies, here are a few insurance company quotes regarding the value of a home inventory: Travelers Insurance “Conducting a Personal Property Inventory” literature states: “Take the time to compile an inventory of your home now, and it will save you precious time and frustration later.” “Benefits of having a personal property inventory include:
Helps to ensure you have the coverage you need.
In the event of a loss, it makes it easier for you to file a complete and prompt claim, supported by accurate documentation.
Helps determine the replacement cost of your lost or damaged possessions to settle your claim quickly.”
Farmers Insurance Group The following can be found on the back of their "Household Contents Inventory Record Book" - "This record can be worth thousands of dollars to you. Keep it in a safe place outside your home."
State Farm Insurance "State Farm would like to inform you of some of the conditions which you must meet under your policy provisions. You will find them on page 13 of your Homeowners Policy, SECTION I - CONDITIONS:"
"Your Duties After A Loss" - "Prepare an inventory of damaged or stolen personal property. Show in detail the quantity, description, age, replacement cost and amount of loss. Attach to the inventory all bills, receipts and related documents that substantiate the figures in the inventory." Allstate Insurance Under their "Your Property" section, they ask you to ask yourself, "Do I have an inventory and photographs?"
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