盘点你的财产
Only four in ten Americans have a home inventory, despite the fact that 3.4 million Americans were displaced by natural disasters in 2022.1,2
It’s great to have insurance against damage and loss, but if you can't show proof of your possessions, it may result in a protracted settlement process with your insurance company.
创建库存的四个技巧
Creating an inventory may take a bit of upfront work, but it can pay future benefits in smoothing the claims settlement process with your insurer and increase the potential of receiving the maximum payment possible.
Tip #1—Make a Video of Your Possessions
A visual record of your possessions is the best proof of ownership. 当视频你的家庭内容, make sure you are methodical and thorough in going through all your rooms and storage spaces. Speak while you are taping to describe each item, including any relevant information (e.g., This is a signed first edition of "Moby Dick").
Tip #2—Document the Value of Your Items
Scan or video receipts of the items in your home. Indicate the make and model where appropriate. 如果你有艺术品或古董, consider creating a record of any appraisal you may have received on your collectibles.
提示#3 -保护你的库存
An inventory doesn't help much if you keep it in the house and your home burns to the ground. If your video is digital (highly recommended), consider storing the file in a "cloud" account, 而不是在电脑上, or on a USB stick stored in a safety deposit box.
建议4:保持库存更新
Failure to regularly update your inventory may mean leaving off expensive new purchases.
Get started by asking your insurance agent if he or she has an inventory checklist, which may help you remember to include items that you might otherwise overlook.
1. Investopedia.com, May 11, 2021 (most recent data available)
2. 科学美国人，2023年2月6日
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