Create A Home Inventory For Future Property Damage Claims
Homeowner’s insurance policies help to protect you from having to pay out of pocket for property damages in Daytona Beach. However, in order to get the total amount you are entitled to, you will need to submit a detailed list of damages. Collecting this information after the fact often proves challenging. Considering the risks homeowners in Daytona Beach face, creating a home inventory now for potential future use is a smart idea.
Protecting Yourself Against Property Damages In Daytona Beach
Hurricane season runs from June 1 to November 30. While forecasters with the National Oceanic and Atmospheric Administration (NOAA) do not predict 2021 to reach historic levels, they are still warning of plenty of activity. There is a likely range of 13 to 20 named storms, several of which are expected to be severe and have the strong potential to impact residents in Daytona Beach. This is in addition to tropical storms and heavy downpours that are frequent in our area throughout the summer months.
For homeowners, it is important to take steps now to ensure you are prepared. Even if summer storms pass us by, there are still significant threats of property damage due to theft or vandalism. Having property owner’s insurance helps to ensure you are protected, but to get the maximum amount you are entitled to in any settlements, it is important to do a complete home inventory prior to filing a claim.
What To Include In Your Home Inventory
A home inventory helps to document losses in the event you have to file a property damage claim. To get the most protection, Allstate Insurance recommends making a thorough checklist of the following:
- Special features of your home and areas such as your porch, pergola, or shed;
- Outdoor furnishings and equipment, including grills, pools, and spas;
- Cars, motorcycles, bikes, boats, and other items commonly parked in your driveway or garage;
- Tools and any machinery you own;
- Furniture inside your home and any artwork or antiques;
- Household appliances and cleaning tools;
- Clothing, furs, and jewelry;
- Household linens and miscellaneous items, such as draperies or blinds;
- Electronics, including your phone, television, laptops, and tablets.
All of these items can easily be damaged due to storms and many are frequent targets of theft. As replacing them can add up to significant amounts, you want to ensure they are included in any potential claims. Once you complete your checklist, detail the value of each item and what they would cost to replace. Gather any receipts, which provide important evidence when filing a property damage claim, and make digital copies of everything to ensure safekeeping.
Contact Us Today for Help
Property damages can leave you facing tens or even hundreds of thousands of dollars in losses. At Bundza & Rodriguez, we help you get the maximum amount you are entitled to in a property damage claim. Before making any statements to insurers or accepting any settlements, contact our Daytona Beach property damage attorneys online or give our office a call and request a consultation today.