Some kind of event is occurring that is going to cause someone a loss of property as you read this. You might think that something like this won’t happen to you. The truth is that there is a good chance that it might one day. There isn’t a way to predict an insurance loss. There are, however, steps you can take to prevent property loss from happening.
1. Inventory
You should start keeping a running inventory of the valuable items in your household. Although this won’t prevent property loss, it is a good way to shorten the time it can take to file a claim if something happens. Taking pictures of your items will help give a Florida public adjuster a good idea of what you have if those items are damaged. Videos might also be a good way to document items, as well as a written description.
Finally, you may consider engraving them. Large items such as TVs, stereos, and computers are prefect for engraving. They might already have engraving by the manufacturer. Try looking at the back of these items to see if engraving has taken place. This is also where you will find serial numbers. Write them down since they can also provide a valuable record for adjusters.
2. Alarms
You may not believe it, but one of the simplest ways to prevent property loss is having smoke alarms. That’s because you can take steps to prevent a fire if you can get an early warning. You could reach for the fire extinguisher or apply water. These both greatly reducing damage to your valuables. You should also install carbon monoxide detectors throughout your home. This will ensure that your loved ones can get safely away before harmful CO fumes have a chance to overcome them.
3. Locks
You should check all the locks used in or outside your home on a regular basis to ensure that they work properly. Do anything you can that makes it more difficult for a thief to enter your:
- Home
- Garage
- Place of business
It can put you in a good light in case you need to make an insurance claim because it shows that you tried to prevent property loss. Don’t forget to check the windows in the basement, first floor, and next to a stairwell or fire escape. Another option is to have a home security system installed. This will give you around-the-clock protection against break-ins.
4. Storm Preparedness
Severe storms are part of living in a coastal area. These storms cause the need to install additional protection for your home in the way of storm shutters. You should install these shutters over glass-covered windows to help keep them from shattering in high hurricane-force winds. You might also consider replacing all your window glass with laminated glass that’s resistant to hurricanes. Installing these additional protections might even get you a discount from your home insurance provider.
5. Extra Insurance
Low-lying areas, like the coast, can also be prone to damage from flooding. You may need to buy additional insurance specifically for flooding if this is the case for where you live. Usually, traditional policies do not cover flooding. The best place to check if you are already covered for flooding is your insurance policy.
Following these 5 tips will help keep your home safe and prevent property loss. Of course, even following these tips won’t stop a spring storm or leaking pipe. If you have suffered any damage to your home, give Aftermath Adjusters & Consulting a call. We can help you get the insurance payout that you deserve.
