What to do
in the event of a homeowner's or
business property loss

Your home is your sanctuary, and your business is your livelihood.  Losses occur whether we want them to or not-some preventable, some not.  It’s NEVER a convenient time to have a loss; nerves are frazzled, and more often than not, something important was planned that suddenly is interrupted, and you are not happy about it.  So-what do you do?  How do you allow life to start happening again? 

If you’re like most people, you collect things…papers, equipment-possessions of many kinds.  Whether costly or inexpensive, or simply sentimental, each of these things are important to you, your home, your family or business.  Do you really have a CLUE what you have, how to identify them, when they were purchased or acquired, original cost new and current values? How would you prove this if a claim were to occur?

Do you realize that not all property and belongings are covered for replacement value unless a special form of insurance is written?  Items such as fine arts, collectibles, jewelry, antiques, guns, coins, just to name a few?  Well, BEFORE you experience a property loss, be sure to obtain a digital property inventory by your insurance professional to aid you in claim filing should disaster occur.   These should be identified, addressed and discussed BEFORE a claim happens.  It’s always better to be given the choice to insure things you hold dear, than to find out after a claim that they weren’t fully covered, if at all…and could have been.  And, when your life is interrupted because of a disaster-fire, broken water pipe, tornado,

roof collapse, etc…you do not want to worry about all of this…you want help, and you want to have your life restored…as quickly as possible.  Here are some helpful tips for you in the event of a loss:

  • As soon as possible, contact your agent to report the loss or your Insurance Claims Department directly. (It’s always advisable to call your agent FIRST before reporting to your insurance company.)
  • Be sure to document date and time of loss and include photos if possible.
  • Make reasonable and necessary repairs to protect your property from further damage or loss.   
  • Keep a record of repair costs and retain receipts for any expenditures.
  • If the loss involves theft or vandalism, notify the police immediately.
  • If you suspect insurance fraud is being committed at any time, please contact your Insurance Company’s Special Investigation Unit.  
Life can be complicated; insurance doesn’t have to be.  All of my clients receive a FREE digital property inventory and assessment…
Life happens, I insure it.  When it matters most, I’m there. Call me today for a FREE insurance coverage review.

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