When homeowners in Wheat Ridge, CO review their home insurance coverage, they are often unsure of they have properly accounted to the full value of the items within their home. We all accumulate things over the course of the years, and many items of value are sold, given away or otherwise removed from the home, as well. Having a comprehensive record of the personal possessions within a home can make it easier to file a claim if there is damage or loss. The team at CO Insurance Specialist field numerous questions concerning the best way to create a home inventory.

There are two basic approaches: homeowners can do the inventory themselves, or hire a professional to complete the process on their behalf. Taking the DIY approach requires that homeowners have the time and equipment needed to create the inventory. Many people choose to use a video camera or digital camera to record images of specific items of value, such as artwork, jewelry or major appliances and electronics. It is also important to scan any receipts or other documents. A list of model and serial numbers, manufacturer names and the initial purchase costs are also great details to include.

In terms of using a professional company to create a home inventory, the primary benefits lie in the time saved, as well as the peace of mind that comes with handing the task off to trained professionals. Once the process is complete, the homeowner is given a digital file, disk or other storage option that contains the full inventory. This convenience may come at a cost, but the expense could be well worth it in the event that a sizable claim must be made.

Please feel free to contact an agent with CO Insurance Specialist in Wheat Ridge with any additional questions about the value of a home inventory.