Floridians need to get organized before the hurricane season picks up so they're not overwhelmed by insurance needs after the storm.
A home inventory is a powerful tool when it comes to making sure your insurance company pays out. You can do it yourself, or hire any number of home inventory companies in the Bay Area.
First, write up a general list of all your expensive possessions. Does this seem daunting? Start by doing just one room at a time.
Several websites, such as the Insurance Information Institute, offer free home inventory software.
Document your items by writing down the model and serial numbers. This is a good idea to do as protection against theft, but it is also important for storm season.
Be honest when making your list. Just one exaggerated or falsified entry could invalidate the entire inventory.
Videotape your possessions while providing a verbal commentary of what you're shooting. If you don't have a video camera, you can actually buy a 'disposable' one at many drug stores for around $30.
Of course, remember to keep the tape in a safe, secure location.
But no matter how you do it, the bottom line is to document your possessions -- before a major storm threatens to take them away.
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