{"id":16138,"date":"2021-06-02T00:20:33","date_gmt":"2021-06-02T00:20:33","guid":{"rendered":"https:\/\/woodriverweekly.com\/?p=16138"},"modified":"2021-06-09T16:33:16","modified_gmt":"2021-06-09T16:33:16","slug":"is-a-home-inventory-necessary","status":"publish","type":"post","link":"https:\/\/woodriverweekly.com\/index.php\/2021\/06\/02\/is-a-home-inventory-necessary\/","title":{"rendered":"Is A Home Inventory Necessary?"},"content":{"rendered":"

BY ANNA & MICHELLE\u00a0<\/em><\/p>\n

Most homeowners have insurance on their home that additionally gives them coverage on their personal property.\u00a0That is the first level of peace of mind to know that it is available to you if there is an unfortunate need for it from a burglary, fire, or some other insured circumstance.<\/p>\n

Personal property is handled slightly differently than real property.\u00a0\u00a0The claims adjustor could start by asking you for a list of the things lost.\u00a0You are allowed to reconstruct it but there is a distinct possibility that you\u2019ll forget things, sometimes for months or years after the claim was settled.<\/p>\n

An interesting exercise would be for you to visualize two rooms, possibly the kitchen and main living area.\u00a0Without being in the room, create a list of all the personal items in plain sight and those in the closets and cabinets.\u00a0When you\u2019re through with the list, go into each room to check to see what kinds of things were not on your list and what the value of those items amounted to.\u00a0It could be substantial.<\/p>\n

Remember, you are entitled to claim them regardless of how long it has been since you used them or if you do not intend on replacing them again.<\/p>\n

When filing a claim, the more \u201cproof\u201d you have to substantiate it, the better off you are.\u00a0Receipts are great but chances are you may only have them for the big-ticket items.\u00a0Photographs or video of the different rooms are great records that the items were in your home.<\/p>\n

An itemized list of each room with a description of the contents, cost and date of purchase, supported by pictures, would be ideal.\u00a0This type of documentation will make filing and settling a claim much easier.\u00a0\u00a0The more documentation you have, the more likely you are to have a favorable settlement.<\/p>\n

The more expensive the item, the better it would be for you to have receipts, serial numbers and photographs.\u00a0A simple count of some items, like clothing, will suffice, like four pairs of jeans, 24 dress shirts, etc.\u00a0More valuable items of clothing, like a cashmere jacket or a silk dress, should be listed individually.<\/p>\n

Depending on the frequency that you purchase new items for the home or possessions, you\u2019ll need to consider updating the list and photographs.\u00a0Moving creates opportunities to get rid of things that haven\u2019t been used for years and to acquire things for the new home.\u00a0It is always a good idea to complete a home inventory after you\u2019ve moved and settled into your new space.<\/p>\n

If you would like to have more tips and a form to itemize your possessions, download the\u00a0Home Inventory.\u00a0This will even allow you to include pictures and store it in digital format for safe keeping.<\/p>\n

\"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

BY ANNA & MICHELLE\u00a0 Most homeowners have insurance on their home that additionally gives them coverage on their personal property.\u00a0That is the first level of peace of mind to know that it is available to you if there is an unfortunate need for it from a burglary, fire, or some other insured circumstance. Personal property […]<\/p>\n","protected":false},"author":1,"featured_media":16140,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","_pvb_checkbox_block_on_post":false,"footnotes":""},"categories":[64,82,38],"tags":[],"class_list":{"0":"post-16138","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-better-homeowners-news","8":"category-housing","9":"category-sponsored"},"_links":{"self":[{"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/posts\/16138","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/comments?post=16138"}],"version-history":[{"count":1,"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/posts\/16138\/revisions"}],"predecessor-version":[{"id":16141,"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/posts\/16138\/revisions\/16141"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/media\/16140"}],"wp:attachment":[{"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/media?parent=16138"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/categories?post=16138"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/woodriverweekly.com\/index.php\/wp-json\/wp\/v2\/tags?post=16138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}