Before you move it’s a great idea to take a possession inventory. It’s also a good practice for potential insurance coverage and future claims should something happen during a move or once you are in your new residence.
Theft, natural disasters, vandalism can be costly if you cannot prove you owned something and have a before your move image of the antique, china, possession, etc.
You don’t need a professional photographer. You can use your smartphone and take pictures, but make sure the date option is selected so the date is recorded with the image should you have to file a claim in the future. This creates digital memory to help you remember things that most of us forget we owned in the event of a total loss.
Take pictures of all of your furniture, artwork, antiques, and anything of value. You can even take pictures of your closets which comes in handy if you have to file a claim for a loss of clothing due to a storm, water damage, theft, or loss of property due to a fire.
It’s always a good idea to make sure you have a jewelry rider on your homeowner’s/rental insurance. Take pictures of wedding rings, and other valuable jewelry so you have a record of it. If you have appraisals and images of fine jewelry make sure you keep it in a fire-proof box, safe, or bank deposit box.
If you have sold a home your realtor can also provide you with professional images of the interior of your home that they used for your listing. Insurance companies love images of claimed losses because it provides proof of ownership and the condition.
While you are taking pictures of your current home be sure to take pictures of your walkthrough ahead of the closing on your new residence. Again, you can download the images of the listing, but it’s better to have images of the home empty and before your movers load in your possessions. Once your move is completed take the time to take pictures of every room, closet, garage, and storage area to have a complete record of everything you own.
If you are moving into a rental shop around for rental property insurance. Prices and coverage vary. Ask to see the property owner’s insurance on the structure to make sure you will not be liable in the event of a fire, storm, theft, or another type of damage to the property or structure.
And always ask for copies of proof of insurance from your moving company. If they do not carry the minimum coverages for transport, moving damage liability, loss of goods in transport, an accident, etc., find another moving company!
The Moving Gurus have a strong record of safe packing, on-time delivery and they carry 10X’s the required insurance limits of South Carolina law including all three types of coverage. They believe providing “peace of mind” in a move is their mission and calling to all of their customers. Contact us today to discuss your move and how we can help. We will provide our Google and BBB ratings as well as proof of all protection coverages and references of those we have recently served. We take the stress out of moving!