Home Insurance - Make It Pay
September 4, 2003
Home insurance is important. But it's just as important to know how to use it; how to get what's coming to you should you file a claim.
First, start planning before there's a loss. Make an inventory of your possessions. Write down their original cost. Photograph your house inside and out. In case of damage, you'll have proof of your home's prior condition.
Report any thefts or vandalism to the police. You'll have a formal record of the event for future reference.
Wait until you have had time to fully assess the loss before accepting reimbursement. Haste may cause you to overlook some missing or damage items.
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