Taking this step can help you make sure you’re carrying the policy coverage and limits that best suit your lifestyle. It’s often helpful to get a handle on exactly what your policy covers-long before you ever need to file a claim. That’s why it’s so important to create an inventory of all your belongings, complete with photo and video documentation, before misfortune strikes. Still, not many of us can remember all those details, particularly while dealing with the aftermath of a home-based disaster. Those seemingly unimportant details about your personal property are the exact elements your insurance company needs to speed up the claims process-so you can recoup your financial losses faster. When it comes down to it, it’s important to know which model TV you own, the manufacturer of your sofa-loveseat combo and the year your riding mower was produced. But what happens if you call your insurance company to file your claim and you can’t remember what items you had in the house? These claims usually follow a burglary, hailstorm, house fire or other disaster. Every year, about five in every hundred homeowners file a claim. Property damage claims are surprisingly common. The least effective time to categorize your belongings is right after you lose them.
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