Documenting Property for Insurance Claims

When disaster strikes, thorough documentation can speed up your claim and ensure you receive fair compensation. Here's how to prepare before you need it.

Create a Home Inventory

Photograph or video every room, including closets, drawers, and storage areas. Capture serial numbers, receipts, and model numbers for high-value items. Store this inventory in the cloud so it survives a loss.

Before and After

Document your property's condition regularly. After any damage, take photos and videos before making temporary repairs. Create a timeline of events and keep all correspondence with contractors and adjusters.

Receipts and Appraisals

Keep receipts for major purchases, renovations, and improvements. For jewelry, art, and collectibles, maintain current appraisals. Update these documents every few years.

Structural Documentation

Document your home's construction details—roof type, flooring materials, HVAC systems. This helps adjusters accurately assess replacement costs and can prevent underpayment.