It is important to take a home inventory

 Insurance  Comments Off on It is important to take a home inventory
Jan 242012
 

If your home were destroyed by fire, would you be able to remember all the items that were lost? Over the years, you can accumulate many treasured possessions.  When faced with a loss, most people are understandably overwhelmed by the situation and can easily forget exactly what was lost.  This is why it is imperative to have a current inventory of items.  Having such a list will help settle your claim faster, verify losses for your income tax return, and help make certain you have the appropriate amount of coverage.

To begin, make a list describing each item, noting where the purchase was made and its make and model.  Attach any receipts you may have, and for major appliances it is a good idea to record their serial numbers.  For clothing, try to count the items and categorize them – coats, shirts, etc.

Insurance companies also appreciate if you photo or video as many items as possible.  Regardless of how you document the items, be sure to store the inventory, receipts and photos off-premises and at a safe location – never at your home.    Keeping a current inventory of your treasured items will take time, but it could save you thousands in the future.

For additional information on how to best inventory your home, contact your independent, Trusted Choice insurance agent at 401.762.2218.

 

 Posted by at 9:41 pm

Homeowners should use cords of caution when using a wood stove

 Insurance  Comments Off on Homeowners should use cords of caution when using a wood stove
Jan 102012
 

Many homeowners have installed wood stoves as a primary or secondary source of heat as a way to save on fuel costs during these challenging economic times. If you use a wood stove, then you will want to follow safety guidelines recommended by the U.S. Consumer Product Safety Commission.

Here are some suggestions for safe and proper wood stove usage:

  • Open the stove dampers before starting a fire.
  • Keep dry wood and flammable items such as draperies, towels, books and newspapers away from the stove.
  • Use clean newspaper or kindling to start a fire, not kerosene, starter fluid or gasoline.
  • Empty the ashes from the stove once per week during the heating season.
  • Dispose ashes in a metal container with a lid.
  • Inspect pipes and connections once a month for creosote and soot buildup.
  • Hire a professional to clean the stove vents and chimney once a year.
  • Install and maintain a smoke alarm and carbon monoxide detector.
  • Place the stove on a fire resistant base.

For more information on wood stove and fireplace safety, please call Soucy Insurance at 762-2218.

 

 Posted by at 3:14 pm