How to Prepare for a Fire for Insurance Purposes

Whether you are looking for information due to the recent Colorado fire damage or just looking in general, making sure that you know what to do after a fire is important to ensure that you get the most out of your insurance coverage. Replacing everything in your home can be a costly process, but by taking the right steps in cataloging what you have lost you may make it easier for your insurance to help you.

The first thing you should have is a fire-proof safe where you can keep a variety of important information that you will need in case of an emergency. Choosing a great safe may cost you a little more in the long run, but choosing one that is water and fire proof will ensure that your papers and important information remains dry and readable. In this safe, you should keep important documents such as the deed to your home, insurance coverage and contact information, and also a comprehensive list of the items in your home.

You may have several items that are insured individually on your policy like jewelry, but keeping a comprehensive list of everything of value in your home with pictures is a great way to make sure that you get full replacement value for your items.

Start by listing the information about your home and the renovations that you have made and include digital pictures of those renovations on a memory stick. You will also want to include anything of value in your home including electronics, garden equipment, and furniture. Carefully photograph all of these items with a digital camera and put the photos on a memory stick that you keep in your safe. This detailed list of items with pictures could be the difference between getting the minimum damage costs and getting full replacement value for your items.

A little preparation will go a long way towards making the replacement of all of your valuables an easy process. Make sure that you add specifics like model numbers and retail price and take pictures of the model numbers to confirm that information for the insurance company. Taking the time to create a detailed list of your possessions before a natural disaster will help you rebuild and move on with your life as easily as possible.