Be Prepared for Hurricanes

By: Joanne | July 15, 2008 | Category: Home and Family

hurricane cloudLast week I wanted to talk about the sun, but this week I’ve got rain on my mind. Get out your umbrellas folks, because it’s hurricane season again. The tropical storms and hurricanes are already churning away out there in the ocean and sooner or later they’re going to hit land. Most of us think that hurricanes aren’t a threat, but the good people of New Orleans know how truly devastating these storms can be. Even if you live well inland, you need to be prepared for severe weather, because bad weather can strike anywhere.

The dangers of a hurricane or tropical storm come in a number of forms: storm surge, high winds, tornadoes, and flooding. If the big one heads your way this summer, it's important for your family and business to have a plan that covers all of these hazards.

The steps are really pretty simple:

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Prepare a Home Inventory – Now!

By: Sommer | January 04, 2008 | Category: Home and Family

Now is the perfect time to prepare a home inventory. It can help you when planning for replacement of furnishings and equipment, purchasing insurance, filing insurance claims, determining your net worth, planning your estate, and more.Living Room

If, like me, you’ve never created a home inventory it sounds like a pretty overwhelming task, doesn’t it? There’s good news – you’ll only have to do it once! In the future, you’ll just have to update your inventory when you purchase new and discard old possessions. If you’d rather hire someone to do an inventory for you, the National Association of Home Inventory Professionals can help you find a professional.

So, where to start?  You can take several different approaches to the inventory like going room-by-room, categorizing your possessions (electronics, furniture, appliances, etc.), newest to oldest, or most to least expensive.  Next, choose the method you’ll use to record all the information.  A simple notebook will suffice, or, you can download a worksheet, take photos, make a video, or even use a computer program.

Regardless of which method you choose, record information such as brand or manufacturer, date purchased, serial number, purchase price, and estimated replacement value.  You can also check with your insurance company to see what information they'll need about your property in the event you have to file a claim.  If you’re a receipt saver like me, now’s the time they’ll come in handy.

Record information about the following items:

  • furniture, carpets, and drapes
  • antiques, artwork and collectibles
  • appliances
  • clothing and other closet contents
  • computer equipment and electronics
  • musical instruments
  • sports equipment
  • garage, attic, and tool shed contents
  • toys, books, and CDs
  • silver and china
  • jewelry and any other valuable items

Once you’ve completed the inventory, keep it in a safe place like a safety deposit box or a fireproof box.  It's a good idea to make a couple copies of the inventory and keep them in different locations. 

Post your stories about how having a home inventory (or not having one) affected your life.  They’ll help light a fire under me (and maybe others) to get one done!

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