According to the National Association of Insurance Commissioners, nearly half of U.S. consumers are insufficiently prepared in terms of their insurance coverage to deal with potential losses. What can you do to make sure you and your family are prepared?

1) Take an inventory of your home, including photos and video. A detailed inventory provides the required detailed list of all items affected by the disaster. The first step that you will be asked to do by the insurance adjuster, is to provide a detailed list of all items destroyed, damaged or stolen.
2) Include receipts within the inventory report. This will provide the necessary proof of ownership and will help ensure you receive the maximum reimbursement amount.
3) Add a "floater" or "rider" to items of higher value such as jewelry, antiques, etc. These types of items are typically not covered by the basic homeowners policy.
4) Store a copy of your inventory report in a safe location away from your home.
5) Check to see if your possessions are insured for the actual cash value or the replacement cost.

For further information regarding a home or business inventory, visit www.jlksystems.com