How to List Your House Contents After a Fire for an Insurance Claim

Published on November 8th, 2022

If you've ever suffered a house fire, you know it can be stressful. After all, dealing with the aftermath of a disaster is hard enough; trying to figure out how to replace your personal property can be even more challenging.

You can make things easier on yourself if you're prepared for this situation by maintaining a home inventory list that includes purchase price, replacement cost, and value of certain items and filing an insurance claim as soon as possible.

Fire cash buyers will buy your house as is. If you just had a house fire or are partially in the process of rebuilding and you just want to sell it now, we'll buy it -this article will show you how to create an accurate list of your possessions and how it will help with your claim process.

Check with Your Insurance Company for Inventory List Tools

To help you keep track of your belongings, most insurance companies offer personal property inventory tools and apps that allow you to maintain an up-to-date and organized inventory. Some of these are free, while others cost a small fee.

If you are comfortable using technology and prefer the convenience of having your information in digital format (rather than creating your list by hand), then an app is probably a good idea.

Apps can also be useful if you have a large number of items to list or want to save time on creating your list by using pre-formatted templates that include pictures of each item as well as details like color and make/model number.

Check with your insurance agent or insurance company to see if they offer this list for personal belongings. This process can make filing a fire insurance claim or other insurance claims easier.

Keep an Accurate List of Your Personal Property to List After a House Fire

In order to accurately prepare your claim, you need to keep a list of the contents in your house. You will then be able to provide an inventory of everything that was damaged or destroyed by the fire and refer back to it when making a claim.

It is important that this list is accurate because it will help determine how much money you could potentially receive in compensation for your loss and determine an actual cash value of your possessions impacted by the fire damage. Below is a list of helpful tips to get the maximum settlement possible for your items.

Take Pictures or Videos of Your Possessions.

• Take photos or videos of your possessions.

• Take photos in their original condition.

• Take photos with a ruler or tape measure to show size.

Keep Receipts for Major Purchases.

• Keep receipts for major purchases. This includes furniture, appliances, electronics, and other items that cost more than $100, like furniture and expensive household items.

A comprehensive home inventory is an important step in ensuring you get the compensation you need from your insurance company. By taking photos of your belongings and keeping receipts for major purchases, you will be able to quickly compile an accurate list of what was lost in a fire or other disaster.

Even a small fire can cause significant damage. Most homeowners insurance includes insurance coverage for personal items. Be a step ahead of a fire and keep track of your belongings if you've recently experienced a fire, check your bank statements for significant purchases, and work with your insurance company's adjuster to get an accurate replacement cost value on your home and belongings.