What happens if I have a fire or burglary and I don’t have an inventory?

Being a victim of a burglary or fire is incredibly frightening and stressful. Unfortunately, before you have time to catch your breath you will find yourself trying to make up your losses. One of your most important tasks if your home in Naples, FL suffers a major loss is filing an insurance claim.

Pro America Insurance advises every customer of the importance of making an inventory. You can make a list of all your important valuables, including appliances and jewelry, and even save receipts. Then keep all of your paperwork somewhere separate and safe so that you can get to it when you need to. You can even use your smartphone to take pictures.

If you didn’t make an inventory, or if your list was lost or destroyed, filing a claim will not be as simple, and will definitely not be as fast. There are a few things you could do to try to speed it up.

You could simply try to create the list from memory. This is not an easy process, and you are bound to leave things out. It is also possible you may overestimate the value of some of your items, such as appliances which were older than you remembered.

Get a copy of your policy and carefully go over the limits. You may be underinsured because there are limits on some kinds of valuables, like jewelry.

If a disaster strikes your home in Naples, FL, don’t panic. Call your insurance company immediately to let them know what happened, and get any advice on what to do next. Don’t worry about rushing into a settlement, because you want to get what you deserve on your claim. If you have any questions or would like to talk about obtaining a homeowners policy, contact Pro America Insurance today.