OKLAHOMA CITY – As some families are picking up the pieces from a large wildfire, insurance officials are warning other residents to be prepared for the worst possible situation.
The Oklahoma Insurance Department is urging Oklahomans to create a home inventory.
“After a disaster, an inventory helps provide proof of personal property loss,” said Insurance Commissioner John Doak. “When you file a claim, your insurance company will want an itemized list of everything that was damaged. Trying to come up with that list from memory is extremely difficult, especially during a crisis. That’s why it is critically important to complete your home inventory right now.”
How to Create a Home Inventory
- Group possessions into logical categories, i.e., by hobby, by room, etc.
- The list should include celebration purchases like jewelry and art, as well as everyday leisure items such as televisions and guitars.
- Don’t forget rarely-used items such as holiday decorations, sports equipment and tools.
- Pull together copies of original sales receipts and/or appraisal documents. Also note model and serial numbers.
- Carefully photograph or videotape each item and document a brief description, including age, purchase price and estimated current value.
- Store the home inventory and related documents in a safe, easily accessible place online, on a computer or in a fire-proof box or safe deposit box. Consider sharing a copy with friends, relatives and insurance provider.
- Download a home inventory checklist
Wildfire victims with insurance-related questions are urged to call the Oklahoma Insurance Department’s Consumer Assistance hotline at 1-800-522-0071.