Insured and Secured

Prepare for Home Insurance Claims with a Home Inventory

49295692727edd097237_banskyphoto.jpg
49295692727edd097237_banskyphoto.jpg

With all the storm damage and devastation that has recently happened across our country, I thought it would be a good idea to share a quick and easy way to keep track of all of your personal belongings in the event something catastrophic happens.

My experience has been that most people miss this vital inventory and the results can be devastating!  Don't let this happen to you.

You need to complete a Household Inventory. Doing so allows you to keep a record of what you own, simplifying the process of sorting through damaged items after the storm should you need to file a claim. 

Sign Up for E-News

Taking inventory can be tedious, but if you ever have a fire or a break-in, you'll be glad you have a record of what you own. Make sure you are keeping track of:

  • The value of each of your possessions, room by room.
  • Serial numbers wherever possible.
  • Support this inventory record with photos or video.

While conducting your Home Inventory, you will want to move from room to room recording the value of each of your possessions. Examples of ways to complete your Home Inventory include:

  • Notepad and camera - as you take photographs, write down the details of each item.
  • Video camera - this is an easy method because you can narrate the details of each item while videotaping.
  • Personal computer - personal finance software packages often include a home inventory program.

While Conducting Your Home Inventory, Don't Forget:

  • Make sure you record the contents of closets, drawers and cabinets.  The value of little things can add up quickly
  • Store all lists, photographs and videotapes in a safe place off the premises.  It is a good idea to keep back-ups as well.
  • Update your home inventory.  After making a significant purchase, be sure to add the information to your home inventory while it is still fresh in your mind.
  • Keep all receipts, especially for big items such as jewelry, furs and collectibles. 

We recommend that you place this inventory in a safe place outside of your home.  Your insurance agent should be happy to scan a copy of the inventory into your customer file.

Of course we never want to be the victims of these natural disasters and bad weather, but it is inevitable, and the best thing we can do is be prepared.

Ron Bansky is the owner of Ron Bansky & Associate’s Allstate Agency in Westfield and Princeton Junction. He has served on Allstate’s National and Regional Agency Advisory Boards and currently serves on Westfield’s Insurance Advisory Board. Ron’s industry awards include leading Allstate New Jersey in Homeowner’s Insurance Sales three times and leading the state in financial services production. As an active Westfield resident, he has also received the Caring Community Award from the Westfield Area Chamber of Commerce and is a member of the Westfield Boosters Association. Ron can be reached at 908-301-0711 Ron@BanskyInsurance.com or via his website BanskyInsurance.com.

The opinions expressed herein are the writer's alone, and do not reflect the opinions of TAPinto.net or anyone who works for TAPinto.net. TAPinto.net is not responsible for the accuracy of any of the information supplied by the writer.

TAP Into Another Town's News:

You May Also Be Interested In

Sign Up for E-News

Westfield

Three School Buses Involved in Crash at Clark's ALJ High School

June 21, 2018

CLARK, NJ — Three buses collided in the Arthur L. Johnson High School parking lot around noon on Thursday in a chain-reaction crash. 

Students were on board at the time, according to Police Chief Pedro Matos. One driver and two students had minor injuries, Matos said.   

According to a Honeywell alert issued by the Clark Public School District, ...

Synopsis of Westfield Board of Education Meeting on June 19

June 22, 2018

I opened the Board meeting on a somber note, announcing the death of sophomore student Carthoris ‘Carter’ Uziel.  Words cannot convey the grief we feel in the Westfield Public Schools community over his death.  We extend our condolences to the Uziel family.  I noted that school counselors are available for all students or staff who may wish to discuss their feelings ...

Upcoming Events

Carousel_image_494009374f5b6e909328_spb-4937_newsletter_june_22

Fri, June 22, 7:00 PM

TD Bank Ballpark, Bridgewater

Somerset Patriots vs. Southern Maryland Blue ...

Sports

Fri, June 22, 7:30 PM

Crossroads, Garwood

Benefit Concert

Arts & Entertainment Giving Back

Sat, June 23, 9:00 AM

Between Park Street and Washington Street, Westfield

Walking Tour: What Makes a Great House and ...

Home & Garden

Westfield Police Blotter: Criminal Mischief to Vehicles Continues & More

June 20, 2018

June 13, 2018 9:24 a.m.

Officer Santangelo arrested Hakan Kaya, age 46, of Westfield, New Jersey on an outstanding warrant (#E19490) in the amount of $304.00 out of Neptune City Municipal Court pursuant to turning himself in at WPD Headquarters. Subject was processed and released after posting the full bail amount.

 

June 13, 2018 11:02 a.m.

Lieutenant McFarlean and Officer ...

Susan G. Komen North Jersey Increases Program Funding by 15% for 2018-2019

June 22, 2018

Susan G. Komen North Jersey announced that it will award a total of 13 grants to 11 local community non-profit organizations in its nine-county service area for 2018-2019, with an increase in total program funding at 15 percent year over year. Since its founding in 1997, Komen North Jersey has awarded nearly $19 million to local community programs in nine North Jersey counties and has ...

'Half Time' delivers with sterling cast

MILLBURN, NJ – The Paper Mill Playhouse is putting on a smashing new production of “Half Time” to round out its current season.

With actress Georgia Engel in an engaging performance, the cast also features Donna McKehnie, Andre De Shieilds and Lilias White, among a host of other talents.

The musical centers on an effort to have seniors perform a dance number during ...

Let's Talk About Suicide

In our world today, it seems our children, no matter the town, state, education, family unit, socioeconomic background, ethnicity or religion are grappling with complex, confounding and complicated issues not even fit for a middle-aged adult. Sadly, one of these issues is suicide. With mental health gaining more attention, the stigma appears to be dissipating but when a mental health ...

Cool Ways to Save Money This Summer

As the summer temperatures rise, home cooling costs rise as well. But there are ways to help save money without sweating the heat:

To increase your cooling system’s efficiency by as much as 20%, get it checked out for summer.  A technician will clean the condenser, make sure you have the optimal amount of refrigerant, and ensure the airflow over the coil is ...

Understand the New Law for Paid Sick Leave

Paid sick leave is now the law in New Jersey.

New Jersey has passed a paid sick leave law which preempts paid sick leave ordinances adopted by several cities and towns so there is now one uniform law in this area for New Jersey employers. Here is what you need to know about the new law.

33 Homes Sold June 10 to June 17 in Westfield, Scotch Plains, Fanwood, Mountainside & Cranford

Thirty-three Homes sold from June 10 to June 17, 2018, in Westfield, Scotch Plains, Fanwood, Cranford and Mountainside.*

 

TOWN         ADDRESS                      STYLE    ...

Westfield 3rd Graders Receive Top Honors at Mock Trial Competition

Westfield third graders recently received top honors for three mock court cases they presented at the New Jersey Bar Foundation Law Fair.

“I am proud that, out of 84 entries submitted, our third grade students (now fourth graders) in the Gifted Program have won 1st Place, 2nd Place and Honorable Mention in the 3rd Grade category [of the Law Fair ...

Maximizing Your Portfolio’s Returns -- Beware the Taxman

The old adage in the investment world is that it is not what you make, but what you keep that counts.  Investors often overlook the ultimate deflator of portfolio returns – the taxman. An astute global asset allocation should be the number one priority for investors.  However, there are preferred ways to distribute this asset allocation over the spectrum of taxable and ...

Greatness

In honor of the Lubavitcher Rebbe's (of righteous memory) 24th  Yahrtzeit (anniversary of his passing) this coming Saturday the 16th.

Excerpts from an address given by Nobel-laureate Elie Wiesel on April 7, 1992, at a congressional dinner held in Washington on the occasion of the Rebbe's 90th birthday.

Some of you are aware of my admiration, not only ...

Healthy U Spring Symposium Marks 10 Years of Community Impact

WESTFIELD, NJ — More than 100 Healthy U champions and partners from YMCAs and schools from all over the state gathered at MetLife Stadium in East Rutherford on May 18 to celebrate 10 years of community impact. Healthy U was also formally presented with the 2017 CATCH® Award for Excellence in State Health. 

CATCH (Coordinated Approach to Child Health) is the ...

AtlantiCast

AtlantiCast Episode 17

On this week’s AtlantiCast, it’s National Men’s Health Month, so check out important health tips for you or the men in your life, learn about groundbreaking research into breast cancer treatment that could mean an end to chemotherapy for some patients, meet a local sports hero who’s living his baseball dreams thanks to Goryeb Children’s Hospital and much ...

Bridgewater Mall Shut Down for 2 Hours After Fight Breaks Out

June 14, 2018

BRIDGEWATER, NJ — No injuries have been reported after a fight involving a crowd of people shut down the Bridgewater Commons Mall for two hours Thursday evening.

According to a Nixle alert from the Bridgewater Township Police Department at 9 p.m., the investigation at the mall has been completed, and the mall was resuming normal business operations.

According to Somerset County ...

Obituaries

Eric Lieberman, 47, of Scotch Plains, passed away suddenly and unexpectedly Tuesday, May 22, 2018 ...
Read more