Tips To Get The Most From Your Homeowners Insurance

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Anyone who has ever had to deal with an insurance company knows the struggle you can encounter. It seems that insurance companies are always raising their rates but lowering their amount of coverage. For instance, last summer, we had lots of rain. We have a rock wall in front of our home. The wall just feel down. It was a major structure and we were going to have to hire someone to reinstall it. We filed a claim on the homeowners insurance. They sent an inspector out. They then denied it. They said it was caused by all the rain we had and since we did not have flood insurance, it was not covered. Many people do not have an inventory list because they do not know how to make one. There is this really cool software that is FREE to download. This software will help you to create an inventory. It allows you to organize your possessions room by room. It provides lists of possessions that are typically found in certain rooms as a prompt. It has the capacity to store digital photographs so you can document all your possessions visually. You can burn your inventory list complete with photos to a CD. There is also many other ways to store you list. This free download is available for both windows and Mac OS. http://www.knowyourstuff.org/ You should try to make multiple copies and be sure to keep one copy of your inventory outside your home. Many insurance companies will keep a copy in your file at their office. Remember: When Tragedy Hits- The Time To Prepare Is Over