Something that most homeowners don't think about is the unfortunate catastrophic loss or theft. The lose of their home and/or personal items. The chances are slim, but if it happens it is a nightmare. If this occurs there is always a dispute with the homeowner and the insurance company. Insurance does not want to pay you for your loss and what you have suffered though. The best way to combat this is to document the property and the contents.

There are 2 things that need to documented to protect you, the home and its features, and your personal property. The home can be documented with photos or a virutal tour. This will show things such as the cabinets, fixtures, and flooring. You can also show. Your photos should show interior and exterior photos. You may have porch or deck on the exterior. The second thing you want to document is your personal items. Things like TV's, furniture, and jewelry.

The best way to do this is is on a home inventory program. I have found a free program that you can download, www.whatyouown.org. It is a great way to easily document your home. You can attach files like photos and pdf's. For instance, you can take a picture of a piece of furniture, and upload that as well as a pdf copy of the receipt. This ensures that if you have loss or a theft all of your belongings are documented and you will get the most from the insurance company.

Graves Carey