Until now, you had heard talk about this topic sufficiently, although you actually didn`t comprehend what all the "florida home owner insurance company rates commotion" was about. Defend Yourself by Conducting a Home Inventory for property coverage Policy.
What is a house inventory?
A house inventory is a detailed list of the personal property found in your home and attached to your renters insurances policy. You should also add property that you have put somewhere else, perhaps in a storage place or a garage on the premises. Your list has to contain your furniture, jewelry, works of art, antiques, appliances, kitchen appliances, clothing, rugs, curtains, computer equipment, TV sets, compact disk players (and other audio or audiovisual equipment), musical instruments, clocks, mirrors, linens, grass mowers, snow equipment, tools, sports equipment, and any other thing of worth.
Why do I have to have a list?
An inventory is especially important for home owner coverage purposes. At time you file an insurance claim for ruined, lost, or stolen possessions, your tenants` policy will require you to demonstrate the quantity, description, real cash worth (i.e., depreciated value), and amount of loss in relation to every item. You`ll also be required to give copies of checks, receipts, or other certification to support your figures. In case you leave out some things or fail to incorporate a sufficient description of others, you may get less than complete reimbursement for your damages. Relying solely on your memory can be a costly mistake. As an exercise, attempt to name every thing in your kitchen junk drawer, and then, picture having to do that for the entire home!
Making the home inventory.
Walking around room by room is probably the best method to perform your home inventory for the property ensurance. Create a record of each thing in the room, opening drawers, closets, and storage boxes. Be as descriptive as you can. For example, don`t just note that a bed exists--describe the headboard, footboard, mattress, and bedding, writing down colors and dimensions. Don`t forget the attic, hall closets, cellar, and outbuildings. If possible, try to incorporate the following info for each piece:
Item description (and quantity).
Manufacturer or company name.
Model number or serial.
Portrayal of where (or how) the item was purchased.
Date of purchase or age of item.
Receipt or other evidence of acquiring, showing cost.
Current value.
Substitution price.
Photocopies of any appraisals.
A picture is worth a 1000 words.
It often helps to take pictures or record your property, especially if the items are difficult to adequately describe in writing or if you don`t have a receipt. If you have a camera, label every photograph with data concerning the item shown. If you use a camcorder, add comments concerning each item shown. Date-stamp your video or take a photo of the date on that day`s paper. It`ll help you afterward to file a property ensurance claim if something happens.
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