Good Insurance

Well, I had a dear friend give me a call this morning and due to her call, I decided to write this short note.

If you haven't heard about our own disaster, close to home, here is the article Slave Lake

Well my friend called her insurance company, to see what she needed to do to make sure she was covered if something like this were to happen to her. The advice she was given was to take a digital copy of everything, and I mean "everything" in her home. Details, because in an emergency situation, you will not remember all of the things you have. You will not remember most of the things you lost!

So in detail go through your home and make a digital copy with your camera or video camera, and then make several copies of it and keep them in various separate out of town locations, perhaps one in your vehicle too. While going through your home, actually lay out your clothing on your bed and itemize each one, how many shirts you own, how many socks, and so on. Go through each cupboard, closet, bathroom, and so on. And for those of us who have a rather large storage, well if we would want it replaced, then we must detail it all! And I would also suggest that after we have digitized it all, we also have it listed out in detail on paper. If you want to go even another step further, then write down the replacement value of each item. I know it sounds kind of like a daunting task, but well worth the time if it happens to be us in the crisis. I had another friend who had a small house fire in the past and if she would have done this, it would have saved her a ton of time after the fact. The insurance company will not make these lists for you, and they will not find the replacement costs for you, it is all up to you to do these things. So why not do them ahead of time, so that if the disaster happens to your home, and your family is dealing with shock and loss, you will not have the extra added stress of figuring out details of stuff!!

Just some food for thought here, but well worth the time to do it now.