is there a form I can use?
2006-10-01 17:35:24 · 3 answers · asked by Cecil D 1 in Home & Garden ➔ Other - Home & Garden
A detailed list of possessions is invaluable when it comes to filing a casualty claim against your homeowners or renters insurance. The name of the item, any model number, approximate date of purchase, and value should be identified. A copy of any sales receipt may also be valuable. Heirlooms, valuable antiques, and collectibles should be cataloged with an appraised value identified. In addition to written documentation, a video camera sweep of your possessions may prove to be important.
There are many things people forget to consider when they list their possessions. I recently updated my homeowners insurance and one of the items I had never cataloged was the software I have on my computers. It didn't take long to reach several thousand dollars worth of software. Just three different software products totaled over $2,000. My insurance agent pointed out that without a complete list and value of the software, I would have had to pay to have the contents of my hard drives recovered (if even possible) in order to substantiate a claim. Such a recovery can be very expensive. In the end, I determined that I had some $5,700.00 worth of software on just one of my computers that cost me some $800.00 to build. Without the list and supporting documentation, if a claimed this computer and destroyed the hard drive, I would be left holding the bag for the value of the software. Something to think about, isn't it?
Sorry to get off on a tangent, but it is easy to identify the big items and forget the little invisible or seldom seen things that add up very quickly.
Best advice is to work with your insurance agent to ensure that you have everything documented correctly so that all will go smoothly in case the worst happens. After all, that is why we carry insurance.
Good luck with your insurance.
2006-10-05 15:45:24 · answer #1 · answered by exbuilder 7 · 9⤊ 0⤋
Take a video with your phone or video camera of the room and everything in it. Get model and serial numbers, if you have special things. Tuck that video away somewhere safe (not in your house) so that if your house burns down, you can retrieve it and show what you had.
2006-10-01 17:44:47 · answer #2 · answered by Computer Guy 7 · 0⤊ 0⤋
your insurance agent should have a form for you
2006-10-01 20:43:30 · answer #3 · answered by Loollea 6 · 0⤊ 0⤋