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Download, print and complete this Inventory
Do you have enough protection and do you know what it covers?
Many people automatically assume that the proceeds of their insurance policy, written for a specified amount, will be paid in full and will fully reimburse them for their loss if their property is damaged or destroyed by fire. This is true if you have enough insurance and if you can establish the specific value of the items destroyed.
Test your own memory.
Take a room in your home. Try to remember everything in it. check your list against the room's actual contents. What is the value of the articles you missed?
Have a written inventory.
This will help to prove your loss and substantiate any claims against the protection you are paying for. The burden of proving a loss rests upon the policyholder - that's why it's so important to know the exact value of your household goods, so you can give reasonable evidence of your loss. |