Don't Wait Until the Last Minute: Making Your Insurance Contents List

One of the proven methods for making a good contents list to submit to an insurance company is so simple, yet many people overlook it.

When a person or family experiences an unfortunate home loss, perhaps due to fire or a storm, so many things change and there are many things that need to be done: Looking for a place to live, needing to replace essentials immediately, dealing with the adjuster, and maybe a fire investigator and builders and contractors, and maybe the city code department, and even more!

This is overwhelming, but then on top of that you find out that you are responsible for making a list of all the things in your home to turn in to the insurance company if you want to get your contents money.

Wow! What an unpleasant surprise!

This task is not only laborious, but it is often painful to have to try to remember all the things that were lost. It is emotionally tedious and time consuming and honestly, with everything else that needs to be done, this gets put in the back burner.

Then time passes. And then you realize there is a looming deadline. And you also realize how much you need that money, as you see how much everything costs and the sheer amount of things you have to buy to have a functioning home.

And this is how NOT WAITING UNTIL THE LAST MINUTE to make a list easily gets overlooked. Because of life. Because there are legitimate things that do come before this task. BUT, at some point, when things settle down (usually after a few weeks), serious thought must be given to this looming task.

Putting it off only makes it worse. Hurry is the enemy of a good list. A good list will help you get the maximum contents payout. Waiting until the last minute will guarantee that your list will be incomplete and that will cause you to get less of your own coverage payout.

If you want to get the maximum payout from your contents coverage, then do not wait until the last minute. Procrastination will cost you money! (This is why our number one piece of advice for making a home inventory for insurance is to do it ahead of time.) Give yourself time to make a complete and robust list, which will get you more money.