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It is needed to prove how much we have lost with the disasters. A home inventory checklist is better to be done early, before a disaster strikes. The insurance company will need this kind of proof to be able to grant us our claims. The amount of money that can be given to us will depend on how much can be found that was left from us if we do not make a home inventory spreadsheet early. It is because our personal property will assess how much we can claim.
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What is a Home Inventory Spreadsheet?
A home inventory spreadsheet is a sheet that contains our home inventory list. A home inventory is a list that contains our personal belongings that can be found in our home. It includes all the appliances and furnitures in our house, together with our jewelries and other personal things. It tells the item, the actual value of it, and a brief description about it. It also has its receipts. This is to prove the actual price of the items. It can tell the coverage of our claims. A home inventory sheet simplify the whole process of claims because the insurance company can tell the actual value of all our assets. When they know how much is the price of our properties, they can price our claims according to it. So it is better to make a home inventory worksheet ahead of time. This way we can keep the receipts of our assets to be shown for future use.
What are the Things That are Included in a Home Inventory Spreadsheet?
You should be aware of the things that are included in a home inventory spreadsheet. Well, it absolutely includes all the things in your house. But you should know what are the things that you should list about it in your home inventory list. To have a complete record, you should put these items:
Name of the Content
This is the name of the particular item. It has the product name. It tells about the brand and also the model of the product. This could tell how expensive an item is. If your item is branded, you must be definite about the brand because it costs a higher insurance amount. So it is good to buy branded things for insurance purposes.
Description of the Content
The color and dimension are written under this category. The description must be definite so that it will be easy for the insurance company to check your things when needed. If your item has distinguishing marks, you should put it as it will also make everything easier. All the stock in your house must have a proper description. The model number of each item must also be written. In case you do not have a receipt, it would be easy to track it.
Cost of the Item
The price of each content must be listed. You can list the price on the receipt if it does not tell the price. Or you can allot a column for the prices of all the items. Price is really important because it was what could assess the value of our claims. The cost must be recorded honestly because there would be always a chance that the insurance company will know the actual price of all our property.
Serial Number of Products
Things like gadgets, TV, appliances, and other electronics have serial numbers and it is also needed. It will make everything all easier to be tracked. Just a few click in the computer and our assets can be assessed.
Bill of Sale of Products
Your receipts must be placed in the home inventory spreadsheet. This is a proof of sale that can make your claims stronger. Be sure to keep every receipt of every item you purchase. You might never know the things that can happen in the future. Receipts are usable for insurance. If you will keep your receipts, you can show some proof for all the claims that you are requesting for.
The Date of Purchase
The date when the product is sold to you is also important. This will tell how old the item is and will assess its value. An old computer has less value than a new appliances. The older the item is, the less value it has for the insurance. Dates must be stated clearly to know the exact value of claims.
Tips on Home Inventory Spreadsheet
We have to be wise in making a home inventory spreadsheet. Anyway, it would be used for insurance purposes. Get started with these tips to make a magic home inventory.
How to Make a Home Inventory Spreadsheet
You may be curious to know how to create a home inventory spreadsheet. Follow these steps:
Step 1 Choose a spreadsheet where you will record your home inventory.
This inventory management needs a spreadsheet. You can choose an excel spreadsheet. There are google sheets and excel templates that are available. You can also find a free home inventory software. Sometimes it can be easy if you will make your own spreadsheet in Microsoft Excel. Just choose where you can put all your home inventory list. Select one that would be convenient for you to use.
Step 2 Check room by room.
Have a thorough examination in all your rooms. Have an assessment of all the things that you can put in your spreadsheet. Make a fast inventory control before you will actually put things in your list. It may take you more than a day to finish all your inventory so consider everything first for you to know what you will do next time. You can trash all the unnecessary things if you want to make the inventory easier when you would actually make it.
Step 3 List all your properties.
When it is your actual time to do the inventory, start in a spot that would be easy for you to record everything. You can list all your things per room. Things will be much more visible with this. Go from room to room, listing all your properties, from the biggest to the smallest. List all your appliances and furnitures, clothings and jewelries, and all other belongings. All your things must be recorded. Every thing would add up to the cost of your claims so you must be diligent in putting it. Whatever you can find in your house, do an inventory of it.
Step 3 Put all the basic information of your properties.
Record all the details about the things you have bought. Put how you have bought them and where you have purchased them. Have a description for each item. You should tell how much each product costs and record its brand. Have a column for the model number and serial number of each item. All these details are needed by the insurance company. They will examine this information to know whether they will give you a claim or not. Clip all your receipts to each item that you listed as this was necessary. It is better that you can show some proof.
Step 4 Review your home inventory spreadsheet.
After you have finished the list, read everything to be sure about mistakes. Check everything. It is the proper way of doing inventory. Maybe you have missed on something so read and check it. Be sure that you have properly put the price of each item. That every item has all its description and number. Check each item if it is clipped with its right photo or video. If everything was right, it is ready to be presented to the insurance company. If you will not going to present it yet, be sure to update it by instantly listing all the new things that you have bought each time you have purchased anything.
Do I Have To List Even the Littlest Things in the Home Inventory Spreadsheet?
No, you may not necessarily list them all. But you should also include small things in your inventory spreadsheet. Those things may cost something. Every money counts. Especially, you are going to make a claim. Meaning that you need money. So include small things in the home inventory spreadsheet.
Which is Better? A Home Inventory Spreadsheet Before or After a Disaster?
It is better to make a home inventory spreadsheet before a disaster. Your spreadsheet can be more accurate and you can list all your things. It is because you can list all the new stuff that you have and you can have better pictures of all your property. If you will do a spreadsheet after the disaster, maybe some of your things may be broken. It would be a little hard to tell its value.
Making a home inventory spreadsheet could be fun. You can have an inventory list in your spare time. This way, you can prepare for the possible disasters that can happen. It would be easy for you to take a home insurance claim. Start doing an inventory of all the properties that you have. This would help you in future times.