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Chicago Personal Injury Blog

How to Successfully Take a Home Inventory for Insurance

by Jared Staver in Insurance

Whether you live in an apartment, condo, or house, the importance of a home inventory should not be overlooked. If you value your belongings and want to ensure they will be replaced in the event of a fire, flood, or another natural disaster, a home inventory is essential.

In the event you ever need to submit a claim against your renter’s or homeowner’s insurance, an accurate home inventory can ensure most of your precious items get replaced. Below we’ve listed some tips on how to successfully take a home inventory for insurance.

If you have any questions about creating a home inventory or are seeking legal assistance with filing a claim against your renter’s or homeowner’s insurance, reach out to our experienced lawyers at Staver Accident Injury Lawyers, P.C. today. Contact us at (312) 236-2900 .

Tips for Taking a Home Inventory

Since you cannot possibly remember every item you have in your home, taking a home inventory can help protect everything you own. Here are some tips to get you started:

Take Photos and Video

You can use your smartphone or camera to take photos and video of your inventory. Go through each room in your home and take a brief video while narrating everything that is in it and what things are worth. Be sure to open drawers and closets to ensure that you disclose every item you own. Also, don’t forget to video and photograph your laundry room, basement, attic, and other storage and utility areas in your home.

List Your Belongings

Although this can be time consuming, listing your belongings is important. Focus on one room at a time and write down the name of everything in the room. As you list each item, note its condition, model, and estimated value. You can keep this list in a digital document.

Create a Separate List for Valuable Items

If you have valuable items such as jewelry, expensive electronics, and family heirlooms, create a separate list for them. Next to each big ticket item, list its make, model, serial number, and purchase date and location. It’s also wise to take multiple photographs of each of these items.

Ensure Your Home Inventory is Accessible

Even if you document all of your belongings in a digital format, your home inventory can get lost. If your home inventory is only on your computer’s hard drive and your computer gets destroyed in a disaster, you’ll be out of luck.
Therefore, save your home inventory to the cloud so that you can access it from anywhere at any time. You can store the inventory on Google docs, Dropbox, or email it to yourself or use free cloud storage services.

Update Your Inventory Regularly

It’s likely that you accumulate new items each year you live in your home. If a disaster happens in 2018 and you have to file a claim, you want to ensure your home inventory list is up-to-date. You may not get compensated properly if your list hasn’t been updated since 2008. Make it a priority to update your home inventory on a yearly basis or more often if you acquire expensive things regularly.

Document Receipts

Documenting receipts is particularly important when you purchase high-value items like an engagement ring or piece of art. Take photos of your receipts and be sure to back them up so that you can easily prove the value of expensive items in the event of a disaster.

Contact Staver Accident Injury Lawyers, P.C.

While taking a home inventory for insurance can be a time-consuming process, the peace of mind it can bring you makes it worthwhile. If a fire, severe storm, flood or any disaster strikes your home, an up-to-date home inventory can ensure you receive the fair and full compensation you may be entitled to.

Contact our firm today if you would like to ensure your rights are protected while filing a claim against your renter’s or homeowner’s insurance. Call us at (312) 236-2900 today.