Smart insurance moves to protect your assets ahead of the storm

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As Florence approaches, homeowners in its path, have one thing on their side, time.   

But for so many of us, including Christina Jeffrey in Spartanburg, storm preps have mainly included a trip to the grocery store to pick up water, food and batteries.

“Plenty of water, never know when the pumps are going to go out,” said Jeffrey.

All too often, we overlook a key step to protecting the worth of our belongings; documentation. 

Insurance Agent Max Fain with Carolina’s Choice, says insurance companies may have suspended new coverage ahead of the storm this week, but that doesn’t mean you can’t protect your assets by getting a thorough inventory.

“Whoever your insurance company is is going to make you fill out a form that says, what did you have in your house?  At that point in your life it’s going to be difficult to remember, it’s very stressful.  The easiest way is just take a video of everything in your house.”

“I have not done that,” said Jeffrey.

“Time goes by so fast and you just don’t think of things like that and they’re very important.”

For valuables like rugs and artwork, include any tags, appraisals and receipts in your digital file, and also include your policy number for easy access.  

Keep in mind, if you have an antique that’s worth a lot of money and you haven’t added additional coverage to your policy, you may not get reimbursed what you think you’re owed.

If Florence leaves its mark on your property, contact your insurance carrier right away, and don’t throw away any personal property until an adjuster has seen it.

After a tree fell on her house years ago, Jeffrey also warns, check the workmanship after repairs to make sure the job was done right.

We may not be able to see the future, but with minimal legwork at least your insurer can see the past,  and help restore your home. 

Copyright 2019 Nexstar Broadcasting, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

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