Great Documentation Of Your Home is Key to A Fair Insurance Settlement Following a Disasters

3/7/2025 (Permalink)

In the unfortunate event of a fire or water disaster, having a comprehensive record of your home's contents can make a significant difference in your insurance claim process whether you are in a high-risk area or not.  Many homeowners who lose everything in these fires find themselves struggling to prove what they had owned, making the recovery process even more challenging.  This applies to structural items, like custom moldings, as well as contents.

Why You Should Document Your Home

1. Proof of Ownership: Insurance companies require proof of ownership to process claims. Photos and videos serve as visual evidence of your belongings, helping to substantiate your claims.
2. Accurate Valuation: Detailed photos can help ensure that you receive a fair valuation for your items. This is particularly important for high-value items that might otherwise be undervalued.
3. Efficient Claims Process: Having a well-documented inventory can expedite the claims process, reducing the stress and time involved in recovering from a disaster.
4. Peace of Mind: Knowing that you have a complete record of your belongings can provide peace of mind, allowing you to focus on rebuilding your life after a disaster.

Lessons from California Wildfires

The wildfires in California have been a stark reminder of the importance of being prepared. Many homeowners who lost their homes had no records of their belongings, making it difficult to file accurate insurance claims. Adjusters are resorting to reviewing family photos to see what is in the background to verify claims.  The lack of clear documentation not only delays the recovery but also can result in significant financial losses.

How to Document Your Home

1. Take Comprehensive Photos: Capture wide-angle shots of each room, as well as close-ups of valuable items. Don’t forget to photograph the exterior of your home and any unique features.
2. Create a Video Tour: A video tour can provide a more detailed view of your home’s contents. Narrate the video to describe each item and its value.
3. Use a 360-Degree Camera: For a more immersive documentation, consider using a 360-degree camera. This technology can capture every angle of your home, providing a thorough record.
4. Store Photos Securely: Keep copies of your photos and videos in a secure, off-site location. Cloud storage is a great option, as it ensures your records are safe even if your home is destroyed.

SERVPRO of Northern Westchester: Your Partner in Fire Recovery

SERVPRO of Northern Westchester offers a unique service to our neighbors to help homeowners document their properties. We can provide a 360-degree tour of your home, creating a comprehensive visual read that can be invaluable in the event of a disaster. This service not only helps with insurance claims by ensuring that you have a detailed inventory of your belongings and finishes.

In conclusion, taking the time to document your home can save you a great deal of stress and financial loss in the event of a disaster. Learn from the experiences of those affected by the California wildfires and take proactive steps to protect your home and belongings.