While it’s good for you to have an idea of what you want to protect, it’s even better if you have an official inventory that can be shared with your insurance company, or your FEMA case manager. If you only have a general idea of what you’ve lost in a disaster, your settlement probably won’t reflect the sum total of what you’ve lost.
This is the most time-consuming aspect of disaster preparedness, but it’s very important! The first time you take inventory will take the longest amount of time. Use calendar reminders to nudge you to update your inventory every month or two. The updates won’t take nearly as much time as the initial inventory, and you’ll be glad you did it.
Make a list. Be as detailed as possible. Include values, if you know them.
Take photos. This will serve as proof that the items existed.
Put it all in online storage. There are lots of free, online storage services where you can keep your inventory spreadsheet and digital photos. You’ll be able to access your information from off-site if you can’t make it back to your location.
I’m worried about leaving town. Evacuation Plan
I want some help shopping for insurance. What should I look for in a policy?