Most homeowners never expect to file an insurance claim. However, when unexpected events occur, being prepared can make the claims process easier and less stressful.
Many homeowners wait until after a loss to gather documentation, create inventories, or locate important records. Taking a few proactive steps now can help you better prepare for the unexpected.
Create a Home Inventory
One of the most valuable tools a homeowner can have is a home inventory.
A home inventory provides a record of your belongings and can help support a future claim involving personal property.
Consider documenting:
- Furniture
- Electronics
- Appliances
- Jewelry
- Sporting equipment
- Collectibles
- Tools
Photos and videos can help supplement written records.
Save Receipts and Important Documents
Receipts, appraisals, manuals, and warranty information can help establish ownership and value.
Store digital copies whenever possible and maintain backups in a secure location.
Photograph Your Home Periodically
Many homeowners take photos during renovations but rarely document completed rooms.
Periodically photographing:
- Kitchens
- Bathrooms
- Bedrooms
- Garages
- Storage areas
can provide a useful snapshot of your property’s condition and contents.
Understand Your Deductible
A deductible is generally the amount you pay before insurance coverage applies to a covered claim.
Understanding your deductible before a loss occurs can help eliminate surprises during the claims process.
Keep Your Insurance Information Accessible
Many homeowners cannot immediately locate policy information when an emergency occurs.
Consider keeping:
- Policy numbers
- Carrier contact information
- Agent contact information
- Emergency claim numbers
available in both digital and physical formats.
Review Coverage Regularly
Life changes can affect your insurance needs.
Purchasing valuable property, completing renovations, or adding household members may warrant a coverage review.
A Little Preparation Can Go a Long Way
Preparing before a loss occurs can help homeowners respond more efficiently when unexpected situations arise.
McElroy Insurance Services helps Rodeo homeowners compare homeowners insurance options from multiple insurance carriers and review existing policies to better understand available protections.
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