Home Insurance Planning Quick Reference

Follow these steps to make the insurance claims process as painless as possible.

Take an Inventory of Your Property

  • Take photos/videos of your home before a disaster strikes
  • Make detailed list of personal property, clothes, jewelry, furniture
  • Keep an electronic copy of the inventory
  • Place insurance information with inventory information
  • Have a safe location for Important documents

Review Your Insurance Coverage

  • Review your insurance coverage; exclusions, deductible?
  • Understand replacement cost vs actual cash value
  • Have you cared for your property to reduce risks to wildland fires?
  • ISO rating can add 5% for Firewise participation

After The Disaster Strikes

  • File your claim as soon as possible
  • Cooperate fully with the insurance company
  • Take photographs/video of the damage
  • Make repairs necessary to prevent further property damage
  • Maintain damaged personal property for the adjuster to inspect
Insurance Insurance