Have you heard your insurance agent say: take photos or video of what you own and put it in a safe place in case of a loss? Well, that is good advice, but what your agent may not have made clear was before you can collect from a loss, you must provide, in a timely manner, an itemized list (that is in insurance format), of all items lost or damaged! The photos or video are only used to jog your memory and prove ownership!
Hello, my name is Mark Moon. I have been in the insurance loss business for 35 years and know firsthand that no one can anticipate when a loss may occur but when it does, very, very few are prepared for the insurance claim process that follows!
My insurance loss career started back in 1983 when I owned and operated a cleaning company that serviced insurance damage repair companies. I was the person that showed up to determine what could be cleaned and what was a loss then I would perform the actual cleaning. While doing my job, I witnessed homeowners agonizing over writing down what was lost and damaged – and sometimes doing so under horrific conditions.
Suffering a loss is a traumatic and emotional experience in itself. Then to find out that a timely, detailed and written itemized list must be provided before collecting from their policy only adds to the situation making it a very difficult task to complete – even with the aid of pictures and video! What is even worse is, during this process, some homeowners find their contents were under insured and it is now too late to do anything about that!
Currently, I am a property insurance adjuster and a catastrophe manager. Over my career, I have been involved with over 30,000 claims. After personally educating homeowners about the claims process, witnessing the emotional and traumatizing effects and handing them a blank inventory sheet, I created MyContentsInventory.com to help ease their pain and enable homeowners/renters to:
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