Last week, several neighbors and I were discussing our unusual summer weather - one that has brought cooler temperatures, very little precipitation and no storms. Needless to say, that is the wrong discussion to have because only a few days later a "substantial twister" with winds of 75-112 miles per hour hit our area. Fortunately, there were no reports of injuries or deaths but there was a significant amount of damage to homes and businesses. Reading the reports of damage and the comments by the homeowners who experienced damage, I hope they are prepared so that when the claims adjuster shows up they can immediately provide the itemized list of items that were damaged or destroyed. Documentation is a significant factor in determining the reimbursement from an insurance claim. Photos and a detailed inventory list including scanned receipts validates your proof of ownership and value - which is key in receiving a settlement covering the full extent of the loss - in a timely manner.
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