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9/5/2011 - Documentation is crucial, insurance agent says

Proper documentation is key to insurance claims.

While a variety of preparations may be crucial for homeowners to recover their losses after a storm or fire, agents say documentation may be the most critical aspect, according to The State Journal-Register.

"Know what you have while you still have it," said Rick Griminger, an agent who has worked for an Illinois-based agency for 31 years. "From an insurance agent's perspective, the more documentation the better. You probably already have these things. Just get them organized."

One way to document and keep track of belongings and how much they're worth is to make a home inventory. The Insurance Information Institute says there are several ways to do this, including making a list, taking pictures or buying inventory software.

Griminger told the paper that in addition to a home inventory, policyholders should get in touch with their homeowners insurance company to make sure they have sufficient coverage, particularly for personal property, which usually represents most of the home's value.

To learn more about taking a home inventory, click here to see a video about Know Your Stuff™, the Insurance Information Institute's free online home inventory software that makes creating a home inventory simple and easy. 

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