Apart from having adequate flood insurance coverage, one of the most valuable lessons that emerged from Hurricane Harvey was the importance of documenting your possessions. Just one hour spent photographing your belongings now could save you a lot of time and stress later.
If your possessions are damaged, displaced, or destroyed by fire or flood, it can be surprisingly hard to remember what you had. Not only that, but your insurance company is going to want copies of receipts or photos in order to prove you actually owned the items in the first place.
Here is how to do it right:
- Use your cellphone, iPad or digital camera to take high quality images in daylight.
- Open drawers, cupboards and closets and take photos of the contents.
- Take photos of valuable items separately, with a card alongside them showing price and date of purchase.
- Back up your photos to a cloud server, to make sure you can access them even if your computer, phone and camera are destroyed.
- Don’t forget to update your photo inventory when you make a new purchase!
Why not take this opportunity to make sure you have enough personal property coverage on your homeowners’ and flood insurance policies? Be sure to call your account manager at Memorial Insurance if you need expert guidance.