South Jersey Area Fire, Smoke, Water & Mold Restoration
Misfortune comes in all shapes and sizes, so it is important to have insurance against things like water damage and fire damage. If your home experiences leaks, burst or frozen pipes, floods, kitchen fires, or chimney fires, you can rest assured that you will cover your losses.
Having insurance is just the first, most important step in protecting your home. Creating a home inventory is another essential step, which you should never overlook.
This is simply because you cannot claim something that you cannot account for. It makes the whole claims process much more tricky if you don't have great documentation of your belongings. Often, you may not remember the things that get damaged in a fire or water damage incident.
Making a home inventory helps you keep track of all your belongings, making them easier to claim. If you file a claim, you can submit your home inventory to your insurance adjuster and make things much simpler and quicker for yourself.
Most importantly, making a home inventory allows you to have a comprehensive list of valuables, which you can present to your insurance agent. Your insurance agent can then let you know which valuables are covered in your insurance policy and which ones need to be added or perhaps require separate insurance.
But, how exactly do you go about making a home inventory?
Here are three simple steps to making a home inventory for water or fire damage.
Use a dedicated video camera or your phone camera to make a video of your home, in which you record everything. Inspect every part of your home, photographing all your belongings along the way. Open drawers, cabinets, closets, and every storage space, to capture absolutely everything. Most importantly, store a copy of this video on the cloud and another on an offline physical storage device like an external solid-state hard drive. It also helps to keep the storage device away from your home.
If you're interested in technology, take a look at this article to learn more about how we document projects in 3D.
Next, you need to scan all your important documents like social security cards, passports, birth certificates, marriage certificates, death certificates, property papers, wills, bonds, etc., and store them safely on the cloud and digital cold storage.
Create a comprehensive list of all the items of greater value in your home. Include items like jewelry, musical instruments, heirlooms, special equipment, and antiques. You also need to add details like purchase date, serial number, purchase price, appraisals, and physical identifiers.
Back up and secure this list like everything else, and show a copy to your insurance adjuster to understand whether you need extra coverage for your valuables.
Finally, consult your insurance agent and contact Mammoth Restoration for comprehensive water or fire damage restoration services.
Mammoth Restoration & Reconstruction is the company to call for all your South Jersey area Fire and Smoke Damage Cleanup, Removal, Repair and Restoration needs. Need help NOW? Our 24/7 Emergency Services can quickly get your property back to normal. Call us at 609.859.5600 or email us.