Don’t Be Caught in the Downpour: Documenting Your Belongings for a Faster Disaster Recovery

You know that dreaded feeling of rising panic as hurricane season begins and the radar shows the possible upcoming hurricane path? The wind howling, the rain lashing, and the gnawing fear of what you might find outside. Then, the aftermath: wading through knee-deep water, surveying the wreckage, and the daunting task of navigating the insurance claims process.

As public adjusters based in Southern Florida, we understand and have seen firsthand the emotional toll these storms take and the added burden of dealing with claims while trying to rebuild your life. But there’s one thing you can do before the next storm hits to significantly ease the stress: document and catalog your personal belongings and assets.

Think about it – after a deluge like Hurricane Idalia in 2023, remembering every detail of your possessions, their worth, and their specific features can feel overwhelming, and downright impossible. Having a documented record eliminates this guesswork and provides tangible proof for your insurance claim. It’s like building a life raft before the flood – you’ll be so glad you did when the water rises.

Here are some helpful tips for building your defense:

• Start with a Sunshine State twist: Instead of just listing “couch,” specify if it’s hurricane-rated patio furniture. And don’t forget to include outdoor equipment like grills and tools, which often take a beating during storms.
• Capture the coastal details: Did that artwork you have hanging up in your sunroom come from a local gallery? Note its origin and value. Does your jewelry hold sentimental value beyond its market price? Document those stories!
• The burden of proof: It may be an extra step, but take clear photos and videos of your home’s exterior, showing storm shutters, landscaping, and any unique features. This helps paint a picture of pre-storm conditions.
• Beat the heat and humidity: Store your inventory, photos, and receipts in a waterproof and fireproof container or cloud storage service. (Remember, Florida humidity can wreak havoc on paper records.)
• Take it up a step further and consider a video tour: Show the condition and placement of your belongings, including storm-prep measures like furniture secured to walls. This provides a detailed record for your adjuster.
• Update regularly: Don’t let your inventory become outdated. Regularly review and update it to reflect new purchases, disposals, or changes in value. Regularly checking your inventory ensures nothing is missed.
• Get help from local experts: Professional inventory services can help you create a detailed and accurate record tailored to Florida’s unique risks.

Remember, the better prepared your documentation, the less stress you’ll face after a storm. Having an accurate inventory allows you to keep your focus on getting back on your feet, and knowing you’ll have the resources to rebuild.

At Platinum Public Adjusters, we’re here to guide you through every step of the claims process after a disaster hits. But remember, preparation starts with you. By taking the time and effort to document your belongings now, you can weather any storm with confidence.

Don’t wait, start documenting today!