The worst disaster possible happens, a fire has leveled your house and destroyed all your possessions. A day or two later an insurance investigator comes out from your insurance company to adjust your claim. Are you ready for him? Can you tell him exactly what things you lost? Most people can't. They say things like "We lost all our clothing!" This doesn't really help. Did you own five shirts or ten? If you can't tell him this, and most people can't, then he goes by the averages and gives you a lump sum. This sum might or might not replace what you personally lost!
There's a way to help you negotiate a better deal for yourself. You should take photos of every last thing you have in the house and garage! You can use a digital camera or a movie camera to make a record of all your possessions. It goes without saying that you safely store this record somewhere else!
When you take your pictures it is important that you record the number of things. ie a picture where you can actually see that you have ten shirts and not just five!
It is also important to be able to see the names or logos on items like your appliances and electronics. It takes a while to record everything in detail, but this detail could save you thousands! It's worth the effort.
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