Inventory list of your personal property in case of a claim

           According to Statistics and technical studies made by FEMA, emergencies can happen at any time anywhere. Nationwide, natural disasters such as flood, fire, explosion, power outages and other unpredictable emergencies have caused destruction and major damages in millions of residential and commercial properties.

          As a result, the homeowners, commercial business owners and the tenants make thousands of claims to the insurance companies. Most of them assume that the carriers will send a check for the amount established as the limit on the policy. However, it does not work on this way for the PERSONAL PROPERTY. The insured must provide documentation proving that the items destroyed existed at the house or at the building. Thus, The INVENTORY LIST is the most powerful tool that the claimant should provide to the adjuster.


          As a professional insurance agent, I recommend you to create and maintain updated records with the following information for each item that you own and keep at the property: description, photos, tags, price, receipts and notes.

           The inventory list may include all of the belongings such as bedsheets, clothes, furniture, jewelry, appliances, arts,  and electronic devices. You could use spreadsheets and digital cameras as the most simple solution. Also, you could use specialized software that will provide you with back up to be stored in remotes servers accessed from anywhere. Also, insured should keep intangible assets such as mortgages notes, insurances policies, bank records and other financial information at safe and different facilities.

              Finally, I want to remain you that a claim will get through if you possess a strong and a consolidated inventory list. It will be your own warranty for recovering all of the belongings that you have lost if your property was destroyed or if it has major damages.

              For further information and free consultation please visit our Website at
 http://www.es-insurance.com/. Also, you may contact me either by email at nef@es-insurance.com or by phone at 239-821-9164.