When a home suffers damage in a fire, hailstorm, windstorm, or other natural disaster, homeowners call their insurance companies and have to begin the Texas insurance claim process. Insurers will ask for an inventory list; however, many homeowners do not have a home inventory list that documents their belongings, and trying to recall all their personal property items that were destroyed can be overwhelming during an already stressful time.
For this reason, our Texas insurance claim attorneys recommend that homeowners prepare for a home insurance claim ahead of time. Although filling out a home inventory list can be time consuming and you may never need it, it can help save you time and minimize your headache and stress level if you ever have to deal with filing a residential insurance claim.
How to Create a Home Inventory List
Your insurance company may have a home inventory checklist for you, or you can create your own by starting in one room and writing down everything you can see in that room. Then, move on to the next room. Make sure you document everything, even miscellaneous items.
During this process, it is a good idea to take pictures and even video of all your personal belongings in the home, to show proof of ownership of those items. If you have receipts, it is good to scan them in or store them with your home inventory list in a safe place like a fire-proof safe.
If you are dealing with an insurance company regarding your losses, it is a good idea to talk with a knowledgeable Texas insurance claim lawyer at the Voss Law Firm today at 888-614-7730. We will answer your questions and explain more about your rights in a free, no-obligation consultation.
