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Pictures and Insurance Policies - Document Your Belongings with a Camera Ames IA

Once you have your home and belongings catalogued on film, whether print or video, be sure to keep a copy of the record in a fireproof safe or even off premises. Read on and know more

Custard Insurance Adjusters
(515) 276-2561
8450 Hickman Rd Ste 21
Des Moines, IA
 
Crawford and Company
(319) 366-1887
411 1st Ave SE
Cedar Rapids, IA
 
Powell Kirwin D
(515) 292-8527
111 Lynn Ave
Ames, IA
 
Farmer's Insurance Group
(515) 232-3212
535 Main St
Ames, IA
 
State Farm Insurance
(515) 232-8090
2701 Stange Rd Ste 110
Ames, IA
 
Frontier Adjusters
(515) 280-6710
3500 2nd Ave
Des Moines, IA
 
New York Life Insurance
(515) 233-1100
426 5th St
Ames, IA
 
Rust Agency Insurance
(515) 663-8750
506 Kellogg Ave
Ames, IA
 
American Family Insurance
(515) 232-3333
2711 Stange Rd
Ames, IA
 
Thrivent Financial For Lutherans
(515) 292-6469
2300 Lincoln Way
Ames, IA
 

Pictures and Insurance Policies - Document Your Belongings with a Camera

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Pictures & Insurance Policies

If you are ever in the unfortunate position to have to make a claim against your insurance, how will you prove to the insurance company that you really did have that wide-screen TV? Or that brand new set of skis? Or that beautiful new china set?

Well, nothing works as well as a picture.

If you want to be sure that you can collect on your policy when you need to, you should be taking pictures of everything you own. If you own your home and it's structure as well, don't forget to include that in the photos! You arent doing this for aesthetic value. You are doing this to have a visual documentation of your belongings and your home, so that it doesn't become a matter of your word against your insurance company.

While you are documenting your home, please don't forget your basement. The basement is full of hidden treasures that we all tend to forget about. Frankly, the pictures of your basement are not necessarily going to be pretty (especially if it looks anything like mine), but you want a clear record of all your belongings and not just those that you are willing to show off to the world.

Keep in mind that most policies are only going to provide you with actual cost value as opposed to replacement value for any of the contents. This means that you will get a depreciated amount for your belongings and not the full amount required to replace them. However, if you happen to have replacement value insurance, it's even more important to fully document what you own. Why? Because even those forgotten items in the basement are part of your full insurance claim and including them can mean thousands more (assuming that your policy coverage limit's are not exceeded).

If you arent one for taking photos, how about video? A video recording can also provide an excellent record of your home and contents. Be sure to go into closets and film from ceiling to floor. After all, sometimes things are left on the floor, or are tucked away on high...

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