Pre-Loss
Building a Defensible Home Inventory for Insurance
The inventory you wish you had when a claim happens. Brand, model, age, condition, value. Plus the storage strategy that makes it defensible.
The inventory you wish you had when a claim happens. Brand, model, age, condition, value. Plus the storage strategy that makes it defensible.
Pre-loss
Why this matters before you have a claim
Contents claims turn on inventory. A detailed inventory recovers 2-4x a flat contents offer. Build it once, update annually, and store copies in multiple locations.
What to do
The basics
- 01
Step 1
Room by room walk-through with video narration
- 02
Step 2
Photograph open closets, drawers, cabinets
- 03
Step 3
Record serial numbers for electronics
- 04
Step 4
Save receipts for major purchases
- 05
Step 5
Get appraisals for jewelry, fine art, collectibles
- 06
Step 6
Update annually and after any major purchase
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the traps
Common mistakes
- XDoing it once and never updating
- XStoring only on the home computer
- XMissing items in closets and cabinets
- XNot getting receipts for cash purchases
- XUndervaluing old items that appreciate
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Annual policy review? Open claim? Free consultation.
Licensed Florida public adjuster.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
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Statutes that protect policyholders.
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Every common denial reason explained.
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Locations
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Glossary
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Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
Prepare
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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