Home protection measures have become a necessity in many areas. Before taking the steps to increase the protection on your home, give your insurance agent or company a call. You may get a discount on your premium and they can help direct you to getting the most out of a claim. Adding simple items like Sash Window Security Solutions can make a home more secure and may deter the need for an insurance claim.
Filing a claim once a burglary occurs, is a bad time to find out you don't have enough documentation to get full reimbursement. It is difficult to remember every item in a house, and without proper documents, you may have to accept a value on stolen items that is well below a replacement cost. Having an inventory of house items and having replacement cost insurance will give you the best chance to recover all that is lost.
Inventory can be taken in several ways. Pictorials of your belongings can be done using a photo or video camera. Be thorough. Open drawers and, if needed remove contents for documentation. Activate the option of sound and note the date of purchase and the cost. Request an inventory form from your insurance company and use this to write date, cost, and location of purchases. Refer to this for the voice over.
There is software that can also help you with itemizing the items. This may save you a great amount of time and effort if it can interface with your financial program to export some purchase information. Otherwise, start now with categorizing your purchases and save receipts. It is time consuming but in the event of a claim it may well be worth your time.
Also, take pictures of the added measures you have implemented in and around the home. To increase protection at your windows, look online to find locks made for your sash windows. Don't forget the sliding doors. You can use simple pin locks, keyed locks, or deadbolts. There are also many other products that hamper the opening or sliding of the doors or windows.
Rolling metal shades, secure bars, and an alarm system will all provide greater coverage and may be the most likely to reduce your insurance premiums. These are ultra secure, can be readily seen, and both are real deterrents to unlawful entry.
Know what your insurance policy covers and how you have to document it to receive the full benefits. Installing easy, but effective stops and/or locks, like Sash Window Security Solutions, you can better protect your home. Get your inventory completed and store it in a safe deposit box. A yearly update is all you need.
Filing a claim once a burglary occurs, is a bad time to find out you don't have enough documentation to get full reimbursement. It is difficult to remember every item in a house, and without proper documents, you may have to accept a value on stolen items that is well below a replacement cost. Having an inventory of house items and having replacement cost insurance will give you the best chance to recover all that is lost.
Inventory can be taken in several ways. Pictorials of your belongings can be done using a photo or video camera. Be thorough. Open drawers and, if needed remove contents for documentation. Activate the option of sound and note the date of purchase and the cost. Request an inventory form from your insurance company and use this to write date, cost, and location of purchases. Refer to this for the voice over.
There is software that can also help you with itemizing the items. This may save you a great amount of time and effort if it can interface with your financial program to export some purchase information. Otherwise, start now with categorizing your purchases and save receipts. It is time consuming but in the event of a claim it may well be worth your time.
Also, take pictures of the added measures you have implemented in and around the home. To increase protection at your windows, look online to find locks made for your sash windows. Don't forget the sliding doors. You can use simple pin locks, keyed locks, or deadbolts. There are also many other products that hamper the opening or sliding of the doors or windows.
Rolling metal shades, secure bars, and an alarm system will all provide greater coverage and may be the most likely to reduce your insurance premiums. These are ultra secure, can be readily seen, and both are real deterrents to unlawful entry.
Know what your insurance policy covers and how you have to document it to receive the full benefits. Installing easy, but effective stops and/or locks, like Sash Window Security Solutions, you can better protect your home. Get your inventory completed and store it in a safe deposit box. A yearly update is all you need.
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