A very important and oft-overlooked way to make your life easier, in the event of an insurance claim in Nashville: creating and maintaining a home inventory.
Whether you have homeowners insurance or renters insurance, an inventory ensures that a) you know what you have, and what you might be missing, b) you’ve documented pertinent details that could help law enforcement find your stuff and c) your insurers can access that same detailed info in the event of a claim. That tends to make a claim move faster, and more accurately.
Secondary benefit, too: With thorough documentation of all your belongings and valuables, you’ll be able to make sure you’re not under-insured. (Always more likely if you have particularly valuable stuff — anything from antiques to jewelry to high-tech tools.)
Think of it this way: If you’re home (or when you get home), look around your living room at all your electronics, your guitars and computers and stereo equipment. If it all disappeared in a flash, would you remember the brands, the models, the serial numbers off the top of your head? How confident are you that you wouldn’t miss anything if you had to write out a comprehensive list of all your belongings, while under emotional strain?
It’s a tedious exercise to document a whole house worth of stuff, but I strongly encourage it, not just as an independent insurance agent, but as a Nashville neighbor..Read More