What to Do if Disaster Strikes (Why a Home Inventory Is Vital)

Sometimes, even though we’ve taken all the precautions, the worst happens, and disaster strikes our homes. It can be hard to know what to do first, and the insurance claim process can feel overwhelming. Here are some tips from us to help make the process go as smoothly as possible.

Retrieve your home inventory

A home inventory is absolutely vital. If you have one, you have a clear and up-to-date record for your claim. It will help you verify your losses and settle insurance claims faster. Be sure to update your home inventory at least once a year and every time you update your home or buy a new item.

Get started right away

It might not be the first thing on your mind, but contact your insurance agent as soon as possible and start the claims process. They will be able to walk you through it. Once this process is started, a carrier will come to inspect the damage to your home.

Get the details

Your insurance agent will be on hand to help you through the process. They’ll be experienced in situations like these, so find out:

1. Whether the disaster damage is covered under your policy

2. How long the claims process will take

3. What they need from you

Once you know what is covered, you can move forward with repairs and reimbursement.

Not sure if your inventory is up to date? Call or email us today, and we can help guide you through the process.