Can you recreate your home?

11/16/2017 (Permalink)

Fire Damage- we hope it never happens to you, but unfortunately it does.   Fire destroys approximately 1 in 3000 homes.  1 in about 309 homeowners sustains some kind of fire damage over the course of their life.  So if your home was to catch fire, are you prepared?  ‘Sure’ you said, ‘well I have insurance,’ as most of us do and we know our local and friendly insurance agent will be there to help us when the need arises.  Can you ‘recreate’ your home, basically account for what was there- both structural and personal contents.  On the structure side, generally this is easy to do.  Some homeowners are lucky enough to still have house plans, if not you would simply need to measure and create a simple floor plan from the remaining structure.   Now what about my personal belongings?  It will be easy to remember the easy stuff like a 55” flat screen, kitchen table that seats 6 and a sleigh bed that was my grandparents.  But what about all the little things?  The complete set of John Grisham books I have collected, that expensive pottery piece I bought on vacation, the 2 Christmas trees in the attic and all the decorations, etc.  It can be overwhelming what you can lose.   How will I be able to remember all that stuff?  You can’t, no one can- it’s just too much.  What you can do is build a virtual tour of your home.  You can go room to room and take photos of each wall, list them and save wherever you like in the cloud- but of course make sure it’s stored safe and secure.   You can also do this with things like your jewelry box/cabinet, gun cabinet or safe and any other area you feel is important to you.  This will help you considerably when you are dealing with your losses and will be a huge help when working with your insurance.  Your insurance adjuster or Restoration Company can be of service to you for both or either of these services.