Homeownership comes with lots of responsibilities. You need to maintain your home. Make sure that you make your mortgage payments on time and have good home insurance. Even when you do everything right, bad things can happen. Most home perils are beyond your control. If your home is damaged or destroyed, you will need to file a claim to get your insurance company to pay you. Your declaration sheet tells you what your insurance will pay for the building itself. When it comes to the content, you have to let the insurance company know what you had. At Tri C Insurance Group in Wooster, OH, we believe in doing for you as we would do for ourselves.
When you file a claim for reimbursement from your insurance company, they need proof of their payment. Your home inventory provides that proof. It is listing all the items you had in your home before it was damaged or destroyed. A good home inventory will include lots of details, so there is no question about what you had. It should include brand names, model numbers, and even serial numbers. Information should be backed up with a picture. Receipts should be attached as well as appraisals for jewelry. The more detail included, the easier the process of filing the claim and getting the money you need to replace your possessions.
It is also important to make sure that you store your home inventory in a safe place. Ideally, that place should not be your home. If you have a safety deposit box, that is a good place to store it.
If you are in the market for home insurance or would just like your current policy looked over at Tri C Insurance Group in Wooster, OH, we would be happy to meet with you. Call our office or drop in for a no-obligation quote.