appliances. Store the digital files in
a safe place, for example: in secure
cloud-based storage or with a trusted
relative. A thorough inventory will be
a great help in filing a claim later.
• Surprisingly, many people don’t know
the details of their insurance coverage,
or how to find out. Store your insurance details along with other impor-
Is your basement at risk of flooding?
Test your home’s safety.
Earthquake hazard map.
Be a Master of Disaster with these learning resources.
tant documents in a safe place as well.
• Know how your deductible works, and
have a plan for paying it in the event of
a loss. For example, your earthquake
deductible is separate from that of
your primary policy. Your insurance
broker can answer your questions.
• Call your insurance representative or
company. Most insurers have a 24-
hour claims service. Be as detailed as
possible when providing information.
• Ask your insurance broker what living
expenses you’re entitled to and for
what period of time.
• List all damaged or destroyed items.
Taking photos can be helpful. If possible, assemble proofs of purchase,
inventories, receipts and warranties.
• Once you have reported a loss, you
will be assigned a claims adjuster,
QUICKLY after a loss will be greatly
enhanced by taking some steps now:
• Make an inventory of all your belong-
ings. This is easily accomplished by go-
ing room to room taking digital photos
or a video. Take photos inside closets,
cupboards and drawers. Record the
make and model of electronics and