Hartman Inventory Offers Tips to Maximize your Insurance Claim Due to Flood Damage

Top Quote There are many things you can do to maximize your insurance claim. Being prepared before the spring floods can mean thousands of dollars more from your claim settlement. End Quote
  • (1888PressRelease) March 10, 2011 - Indiana home inventory professional Mike Hartman states that many home owners as well as small business owners are not prepared to complete an accurate, thorough insurance claim.

    "All too often, people think 'it won't happen to me' - then find that it does, and they have difficulty pulling the information together that the insurance company requires," Hartman says. "Unfortunately, most don't realize they will need to list every item damaged or destroyed."

    Hartman offers these tips to know what you own before you need to provide that information:
    1. Verify with your insurance agent that you have flood insurance
    2. Ensure that you have sufficient coverage
    3. Take photographs of your belongings
    4. Create a written list, including model and serial numbers
    5. Keep the information in a safe location, off site
    6. Update your information annually.

    If a loss occurs before completing your inventory, take photos before throwing away damaged items. "You can't replace the photos that are ruined, for example, but you can recover the cost of the photo albums. Every item, no matter how small, can add up to a large sum of money. Taking photos will help you remember and prove ownership when you submit your claim," he explains.

    It is best to be prepared and have an inventory of one's belongings before there is a need to file a claim. The documentation will be more thorough, and prepared when time constraints, emotion and frustration are not present

    About Hartman Inventory
    Hartman Inventory is a personal property inventory service provider, serving home owners, renters and small-to-medium businesses. For more information, visit www.HartmanInventory.com.

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