I recently handled a flight request where a house was burgled while the insured and her husband were out shopping. Burglars broke through an exterior door at the back of the house and went to the trouble of twenty jewelry. The insured had collected a lot of jewelry on his travels, so in addition to the monetary value of the items, they also held a deep sentimental value.
What makes this unique demand for me as an expert was the detailed information I received from the documentation for the insured request. There are many years she and her husband took their camera and went room by room to photograph the contents of their home. They opened drawers, closets, and even as photographed in her jewelry box. They kept those photos in a safe at a different location of their home in case of fire. After the robbery, the insured was able to send me photos of several elements that have been taken, and even provided a photograph of the jewelry box was stolen. She also kept receipts for most jewelry purchases. This revenue helped me with articles and helped determine the values descriptions.
This statement is a perfect example of why it is important to document your valuables and keep receipts and records of your purchases. Photographs, receipts, model numbers, owner's manuals, etc. are all useful sources of information if you need to apply for your personal property. This is extremely important if you ever experience a total loss, such as fire and must make an inventory of all your assets.
So do not put it off another day. Watch our video (above) for advice on making a household inventory, then grab your camera and start shooting!
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