Personal estrangement begins at home by planning recovery
Each year in our country a wide range of natural and man-made disasters occur in communities, which cause a multitude of individuals and families to lose their homes and personal property. Whether it is a major disaster like a tornado, wildfire or hurricane, or small incidents like a house fire or a pipe burst, disasters often come and when someone does, you have to be able to respond to the most common post-disaster. Question – “What do I do now?”
When first responders leave the scene of a disaster, survivors are usually left on their own to face the daunting task of navigating through the recovery process. For those who have lost their home or who have been displaced, this can be the beginning of a nightmare, especially if they have not prepared or planned for recovery in advance. The days, weeks and months following a disaster require planning, perseverance, and a lot of patience. Otherwise, a state of chaos created by a disaster, coupled with a lack of subsequent knowledge, can easily turn a disaster victim into a disaster victim.
What about all my stuff?
An element of the recovery process that is rarely talked about, but is known as one of the most difficult tasks a disaster survivor will face, making a list of all personal belongings that are damaged or Have been destroyed. Suppose your house was hit by a tornado and when you come out of the storm cellar, you see that there is a toilet with a bare concrete slab that stands in the middle. Your yard is strewn with debris from your neighbors down the road and you have no idea where your 20-year-old accumulation has gone, except for a pair of underwear hanging in trees across the street. You will call your insurance company and a couple of days later your adjuster shows up and tells you that to get the full benefit of your insurance coverage, you must provide a detailed list of everything you own, including a detailed one. You can have details of each item, its age, replacement cost and any supporting documents in the form of photos or receipts. You are then given a stack of blank inventory sheets and a pen and told that you only have a limited amount of time to do it. So what do you do now?
Great idea to make your personal list!
When you do not have any photos, receipts, or remembrances in your home, try to remember everything. On the one hand you do not want to commit insurance fraud by claiming items in your inventory that you are not sure you had and on the other hand you have a considerable amount of replacement coverage in the policy that you have lost.
This is where the challenge begins. To adopt this undertaking, you will need a clear frame, a lot of time, and a lot of support (most of which may be in short supply).
One way to accomplish this task is to try and visualize what you have in the room and ask friends or family members if they have photos that will be sent to your home for a holiday gathering, party Or with family. Often such photos can reveal decorations, decorations or other items in the background that will help jog your memory.
See the store catalog or on-line store as another resource to help. Keep in mind, in this process it may take you a long time to get the level of detail to get the full benefit of your insurance. Consider the process to complete a list of ingredients in your kitchen. If you like the most, you can truncate obvious items such as appliances, silverware, utensils, cookware and cutlery and only find small items worth the time and energy to deal with it. But what about the food that was in the refrigerator, freezer and pantry, alcohol, vitamins, supplements, spices, cookbook, supplies under the sink, hand utensils, stuff in the junk drawer, CD’s, phone chargers, batteries, Gift cards, paper products, pet supplies, tools, and so forth? You have paid a lot of hard-earned money for these items and these little things add up quickly. Try to include everything in your inventory.
Try a Google search for “personal property listings”. You will find a lot of online forms, tips, and resources specifically designed for your home inventory. Look for “recovery stories” from disaster survivors. You cannot pay for tips and examples that come from people who have already traveled the road you have taken. Keep in mind though, everyone will have a unique experience and just because a story was a nightmare does not mean it will happen to you. The more you know, the better you can control how your story will unfold.
The challenge here is to remember everything you want and add details for all the small items when you have so many pressing matters that consume your time. But look at it this way, if you were walking down the street and saw a bunch of $ 5, $ 10, and $ 20 dollar bills, wouldn’t you take the time to pick them up? Of course you will.
The bottom line is this; If you want to fully recover the maximum benefits of your insurance and speed up the recovery process, you can rebuild your life, then you need to get the details on paper and use the tools available to you. You will need to take time out which will help you in completing these tasks.