Happy New Year! With 2019 just around the corner, now is the perfect
time to make plans and resolutions. I’d encourage you to make one of
your resolutions creating a property inventory for your home or
renter’s insurance. Not sure how? I’ve got you covered. I’ve compiled
everything you need to know. As a bonus, I’ve also included a list of
plants that will grow well in your home this winter and tips to avoid
moving scams. Take a look, and if this year you or someone you know
wants to make a move, let me know! I’ll be glad to help.
to Prepare a Personal Property Inventory
If disaster strikes your
home, are you prepared? You want to ensure your home and family are
protected and to maximize how much you can recover in the event of
a disaster. Having homeowner's or renter’s insurance is a crucial
first step to accomplishing this, but it isn’t the only step. Once
you have insurance, you need to inventory all your belongings:
furniture, appliances, clothing, collectibles, jewelry, cleaning
supplies, toiletries, even the food in your fridge. This can be a
daunting undertaking, but having an accurate inventory of your
belongings can more than double the amount of reimbursement you can
request. Here are a couple ways to create your inventory; be sure
to check with your policy first to see what type of inventories
Option One: Take Pictures
Photographing or videotaping everything
in your home is one of the fastest ways to create a personal
property inventory. Just take a photo of every room in your house
facing each direction. If you use this approach, be sure to take
photos or videos of all drawers in both open and closed positions.
If you have a drawer or closet full of items, pull everything out
and spread it out on a bed or table to get a clear view of
Option Two: Write Everything Out
One of the best though most time
consuming options is to go room by room and create a comprehensive
list of everything in your home. A program like Google Sheets is
great for this because it's easy to access, easy to edit, and can
be accessed from any device if your computer or flash drive is
damaged. Next to each item, jot down how much you paid for it or
its estimated value. If you have receipts or model numbers for an
item, or if you know when an item was purchased, add that in your
document as well.
Remember, creating an inventory isn’t a
one-time thing. It will need to be updated. Whenever you purchase a
big-ticket item, such as a new appliance or electronics, scan or
photograph the receipts and add the items to your inventory.
Indoor Plants Anyone Can Grow This Winter
have to have a green thumb to grow lush, green plants, even in
the dead of winter. Just find a nice, indoor spot with plenty of
natural sunlight! Some plants that can thrive inside are below.
This common houseplant is very low
maintenance and does wonders for your home’s air quality. This
succulent was originally found in hot, arid regions such as the
Mediterranean and northern Africa. As such, aloe vera plants
don’t need much water or direct sunlight, but they do need warm
air to survive. Just set a reminder to water your plant every
three weeks and your plant should be happy and healthy.
Spider plants are tropical plants that
grow well in hanging planters in warmer temperatures indoors.
This plant has long, grass-like leaves and doesn’t need much
direct sunlight. Spider plants also love humidity, so they do
especially well in bathrooms that have windows.
If you want to add a little tropical
flair to your home, a palm tree may be the plant for you. Palm trees
need warmth - so make sure your thermostat is set to at least
fifty degrees! These plants typically prefer shade, but can
thrive in indirect sunlight too.
to Avoid a Moving Service Scam
move in the summer, but moving scams can happen at any time of the
year. Protect yourself, your family, and your belongings by knowing
how to identify a moving service scam.
Are they who they seem to be?
Just because a
name is similar to a large, reputable company doesn't mean it’s
actually associated with that company. Check their website to see
if they’re actually associated with the company or if they’re
freeloading on someone else’s good reputation.
How are they asking for payment?
companies charge by the weight and distance, so they will need to
see your belongings to make an accurate estimate. Get at least
three estimates so you can see how each company compares to the
others. If one company charges significantly less, it may not be
reputable. Asking for payment up front is also a red flag; most
companies will not require a deposit.
Be aware of your rights.
money when people don’t understand their rights or don’t take
important precautions. Always get a written estimate from your
moving service. That way, if you do end up with a bill that’s
significantly higher than your estimate, you’ll be able to fight
If you need a
recommendation for a reputable moving company, let me know! I can
help you find your next home and a good moving company to help you