home inventory Archives - Spencer Insurance Agency, Inc

What to do after a property loss.

Bad things happen to the best of people; if you suffer a loss here are a few tips
to navigate through this process and help you get on the road to recovery.

Immediately

  • Look out for the safety of your family.
  • Do not enter your home unless you’re sure it’s safe. Depending on the type of
    disaster, there may be exposed electrical wires, standing water or even structual
    damage. If you have any concerns about the structural or environmental safety of
    your home, do not enter.
  • Contact your insurance company by phone as soon as possible.  You can also follow up with us for any questions you many have regarding your claim.
  •  When reporting your claim have your policy number handy and be prepared to provide
    your contact information so your adjuster can reach you throughout the claim process.
    It’s important that you provide all your phone numbers and email info.

Once the Claims Process Has Begun

  • Take account of your loss and separate the damaged from the undamaged property.
  • If available, provide your adjuster with photos or video recordings of the loss site prior  to the event. This will assist your adjuster with the damage evaluation process.
  • If necessary, have a qualified repair service or contractor make temporary repairs to prevent additional loss. Be sure to obtain a bill or invoice for this service so you can present it to your adjuster for consideration of reimbursement.
  • If  your home is uninhabitable, check with your agent or check your policy to determine if  you have coverage for Additional Living Expenses.
  • Save all receipts to document your increase in living expenses while your home is uninhabitable.
  • Contact the utility companies to discontinue service if your home is uninhabitable or destroyed.

Financial Concerns

  • Investigate the availability of special loans and/or grants via the Federal Emergency Management Agency (FEMA), the U.S. Small Business Administration, the  American Red Cross, local government agencies, private lenders and philanthropic organizations.
  • Call to apply for federal disaster aid at 1-800-462-9029 (or 1-800-462-7585 for TDD Telecommunications Device for the Deaf) or online at FEMA.      You’ll be required to provide your social security number, insurance information and the extent of the damage to your property. Be sure to obtain a control number that is assigned to your application.

I have an app for that. . .

You know you should do a household inventory in case of an emergency!  How many times have you told yourself you were going to sit down and do the inventory of your house then keep it in a safe place in case you have a house fire.  Sound familiar

You just can’t find the right time to do it.

A few years back a client’s house burned to the ground in minutes.  His family safely exited the house but all his belongings went up in smoke.  Fortunately he had the proper homeowners  insurance, however the next step was to do an inventory of all his belongings.  Think about that for a minute.  Could you list everything you owned, furniture, clothing, dishes, household supplies, toys, collectibles, etc?  With the help of other family members who had taken pictures in their house, they were able to put together a list.  The list was constantly updated as they remembered something else.

Having a house fire is bad enough.  I want to help you make the claim process easier.  There are many applications online which help you do an inventory.

Now there is an iPhone and Android app for your smart phone!

the National Association of Insurance Commissioners (NAIC) has developed an app which allows users to create a home inventory to make sure their contents are fully documented and protected.  The free app lets users quickly photograph and capture images, descriptions and serial numbers, and store the information electronically for safekeeping.  The app organizes everything by room and category, and creates a back-up file for e-mail sharing. The myHOME Scr.APP.book app is available through iTunes® and the Android Marketplace.  For more information on how to do a home inventory visit the NAIC Website.  Or go directly to the smart phone app of your choice, Android or iPhone.

Be prepared for emergencies.  It can make your homeowner’s Insurance claim a lot easier.

 

 

 

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