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How to Create an Inventory, Whether You're Naturally Organized or Not

Documenting your home items is essential, even if disaster seems unimaginable. And it may be easier than you think Full Story
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Great advice
on Wednesday at 1:19pm   
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A somewhat different thought from another fire victim: when you purchase that new home, be sure you have pictures of every single room and special feature in it when you close. At worst, you have plenty for an album. Almost two years ago, we purchased an historic house after a lengthy short sale process. Days after closing, it was struck by lightning and burned. (We had not moved in, so in addition to having no one hurt, we lost no personal possessions.)

Fortunately, I am a shutterbug. The pictures I had taken on the FOUR occasions I had set foot inside the house made thousands of dollars' worth of difference in our insurance settlement - a process which continues to this day. Our very good insurance company wanted to depreciate the plaster walls 50%. We were able to show their actual condition was far better - and so on. Though we had full replacement coverage, the millwork and other details in a century-old house don't come off the rack from a hardware store. In reality, our insurer probably underinsured us - they had not actually seen the property when they wrote the policy for us to close.

This is also where our public adjuster was critically important. Just because the insurance co. assigned a certain depreciated value to something didn't mean that we had to accept that - and we had an experienced advocate who knew how to bring them around. Two years later, we are finished with neither the insurance process nor the rebuilding. The professionals who have made the most difference during this whole ordeal: our public adjuster and my project manager. I can almost see daylight.
on Thursday at 9:45pm   
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