Email a copy of 'Preparing for Everyday Life, by D.W.' to a friend
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Regarding the id number to put on your tools etc., for me the shortest was my ham radio call sign.
Some put them on firearms. Doing so reduces the value of the firearms, especially those that are collectible.
Back one day, law enforcement recommended using your SSN number…..that really opened the door not only for your items to be stolen but to use the SSN to continue to rip you off. DO NOT use your SSN.
A great article, thank you! I have been thinking along these lines lately. I was at a friend’s house, we wound up in the basement with the sirens going off. The septic backed up for one day with too much rain and ground saturation. Thankfully, they were prepared with flashlights, comfortable seating, snacks, a weather radio, and a place for the little one to sleep. Preparing for bigger things should not negate planning for everyday life events.
A video of each room will also help with an insurance claim.
I would like to see an article about your katrina experience.
Most home fires are electrical and most home electrical fires are caused by rodents, IE; squirrels. Ensure access to basements and attics is removed and if you hear strange noises or scratching or scurrying around, don’t delay.
I have been part of the small business administration (SBA) disaster declaration process for a few floods and apartment fires. It is sad to see someone who has just lost EVERYTHING they own try to remember what they owned. People almost always forget items like pots/pans, linens and clothes. Have an inventory because YOU WILL FORGET SOMETHING. When we got our first home owners policy together the wife and I read it and wrote down questions we had and then invited our insurance agent over to discuss the answers. The agent was also able to see that we should have a rider for my wife’s jewelry, our antique furniture and firearms. Read your policy and remember that no two policies are the same which could mean thousands of dollars of un-insured losses if you don’t educate yourself. Remember the company makes money by paying out as little in claims as possible. Photos are great since they show condition. If you say you have a 22 rifle that is 100% [condition] you better be able to prove it or you may only get a percentage of what it is worth. We also pay for replacement cost. It is worth it trust me. But again like the D.W. the author states you have to know what you have to make a claim. When I buy a new device/tool/electronic etc I make sure I log the make, model and serial number. Never thought of marking things with my own number. I think most criminals believe that the vast majority of people don’t have good records for their property thus it is difficult to prove that one Dewalt drill is or isn’t yours over another Dewalt drill. Remember Law Enforcement has to Prove it!
One other thing, have your jewelry professionally appraised. Not all 1 carat diamonds are valued the same. Color, clarity, cut are very important in determining the diamonds value.