If any type of damage or destruction occurred to your home, do you have the required documentation needed to substantiate your claim? If you feel that the replacement value listed in your homeowners policy is sufficient, you will still need to provide a detailed list to support your claim. You could jeopardize receiving the maximum replacement value if you don't have the required detailed information. Such information includes description, when it was purchased, model or serial number and cost.

Don't want until it is too late to realize that it is your responsibility to substantiate your insurance claim.

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