Oklahoman’s are no strangers to disaster. Many prepare a disaster kit for their families that includes food, water, batteries, and medical supplies. But it is also a great idea to include an inventory of your home in your kit. This can prove important when it comes time to file your insurance claim. Even small items such as dishes, pots and pans, and furniture can be claimed on insurance, but you need some type of way to remember it all and a way to prove that you had it.
An easy way to conduct a home inventory is to shoot a video of the contents of your home, then upload that to “the cloud” or include a copy on a USB drive in your disaster kit. Simply walk around with your phone or video camera, inventorying the contents of your home, including drawers, closets and other personal items. Be sure and record audio to go along with the video, explaining the items you see and where you got them from, along with model numbers and serial numbers of major items such as televisions and appliances.
When the insurance adjuster gets ready to write you a check for personal belongings, they don’t just write the check for the amount on the policy. Instead you need some type of documentation showing what was lost in the disaster.