In today's world, life moves pretty fast. Most of us do everything we can to follow the daily demands of work, children, home, and invoices that compete for our attention and divide our time. The more we take, the less time we have for ourselves and we tend to rush through our days with a sometimes random attempt to "get it all in."
So, what are the consequences? Some things do not get done and very important things never start. Sometimes these things are superfluous as painting the fence or weeding the garden. Other times, these things are much more important for our future happiness. Things like ... a home inventory?
We generally do not notice or do we still care about making a list of all our worldly goods when we do not have a motivating reason to do so. People are motivated by emotions triggered by an event and a disaster situation is a motivating event for almost everyone. Many times someone who has suffered the devastation of fire, natural disaster or other catastrophic events of life is not only deal with the emotional consequences of the event, they are also ill at inventory of what they lost when just yesterday, they took their possessions for granted. Filing an insurance claim without receipts, no document, no digital evidence, not a point of evidence that your property has never existed, can add a lot of stress to an already stressful situation. Now is the time that you wish you had planned ahead and took the time to put together a home inventory.
A home inventory helps to provide information to your insurance company needs to adjust your application, reducing the amount of "" required back and forth to prove the value of what you have lost. How to prove that you had a TV 70 "LCD with no TV and no receipt? The claims process takes time. Do you have the means to live elsewhere while you pay out of pocket to start the renovation or reconstruction your home? Take inventory of your assets on an annual basis can help speed up this process
a home inventory can be created in several ways :.
- Use software or one of the many websites available to keep a digital list of your possessions. KnowYourStuff.org of the Insurance Information Institute is a user friendly site that is free.
- Videotape contents of your home and give it a copy to your insurance agent that will keep it on file for you.
- Make a list of the contents of your home and its value, and provide a copy to your insurance agent. Some companies insurance offer printed forms, or you can complete forms to fill out online.
Whichever method you choose to use, the key is to do it! Watch our video above for tips on how to start with your home inventory. It takes time to create, but time and stress relieve your inventory after suffering a loss is priceless.
Do you have any advice or tips on stocks at home?
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