Your homeowners or business insurance policy does notĬover flood damage. FloodsĬan be caused by storms, hurricanes, melting snow, poor drainage systems or dams. You do not need to live near the seashore, lakes or rivers to be flooded. Consider this: between 25 and 30 percent of all flood insurance claims come from low to The answers to the statements above may surprise you:ġ. True or false: Flood insurance is affordable. True or false: Your homeowners or business insurance covers you for flood.ģ. True or false: You do not live in a flood zone, so you do not need insurance.Ģ. How much do you know about flood insurance? Take this brief quiz to find out:ġ. Keep your loved ones safe and protect your assets. We believe that every person deserves to receive exceptional protection from one of the best insurance companies in the business. We are a full-service agency with years of experience managing a wide range of risk and exposures. When it comes to insurance you will know that you are getting the best possible price, the coverage that you need and that she will be there to assist every step of the way. Lisa strongly believes in providing the BEST CUSTOMER SERVICE! She has survived mostly by referrals and takes great pride in this. Lisa enjoys spending time with her family and friends, listening to music and playing with her grandbabies! She has been married for 30 years and has a daughter who is married with two children, Sophie and Barrett. Lisa is from Jacksonville Beach and graduated from Fletcher High School. which specializes in all lines of insurance, both personal and business. In 1999 she founded Insurance Concepts of Florida, Inc. Lisa Oshman started in the insurance business in 1996 following the footsteps of her father selling life and health insurance. is made up of a family of well-versed insurance agents who are highly trained in providing you with exceptional coverage and services. Here’s more home inventory advice from people who should know: insurers.Insurance Concepts of Florida Inc.
#Florida home inventory checklist how to
Log serial numbers, when available.Ĭonsumer Reports offers advice on How to Inventory Your Home for an Insurance Adjuster – including this short video: And going forward, things will be much easier if you get in the habit of taking photos of new purchases and saving receipts.
If you’ve never done a home inventory, it can be a daunting job, but there are tools to help. Even if you make a hand-written version, you can scan it and keep it online in cloud storage. Just be sure that you have multiple copies, that you store your inventory in a safe and accessible place and you keep it updated.
A simple spreadsheet will do the trick, or use your phone to take room-by-room videos and document with photos. You can record your “stuff” in a notebook (old-school style), but phones and computers have really simplified the process. A good home inventory will help you document your losses and make it easier to file a claim and get it processed. If you find yourself under the terrible stress of recovering from a disaster or even a burglary, you don’t need the added burden of trying to remember all the possessions you lost so that you can be properly reimbursed by your insurer. That’s why it’s important to keep a home inventory. It would be even harder if you were trying to recall all your stuff right after your house was destroyed in a fire or demolished in a hurricane. It’s not so easy remembering that stuff, is it? Include what’s in the drawers and closets. Write down everything in your living room.List all your AV equipment, the make, the brand and the year you bought it.What brand of dinnerware and flatware do you own and when did you buy it?.What year did you buy your mattress and bed frame and what brand is it?.How many pairs of pants do you own? Jackets? Shoes? Boots?.What are the makes and years of your major kitchen appliances?.Pop quiz – without looking, see how you do answering these questions:
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