Home broken into? Don’t touch anything – especially food in the fridge!
Thieves might take food or even meds from the medicine cabinet. Notify the police – the write down what’s missing or eaten. This might seem trivial, but it could catch your thief because of the fingerprints left behind on the medicine cabinet and throughout the kitchen.
Orlando Bloom’s home was broken into and it’s reported that he lost up to $500,000 of jewelry, cash and artwork. We hope he has a home inventory and riders to cover these items.
Be sure you have enough insurance coverage for a theft, fire or disaster. Two years ago, after doing an article on insurance, we realized our home insurance policy didn’t reflect the home’s value.
What does that mean?
Essentially, if our house had burned, we had only enough insurance coverage to rebuild 1/3 of it. This is because we didn’t tell State Farm about remodels, updates and new items we’d purchased. State Farm thought it was still the ‘old’ house and had it at the ‘old’ house value.
If you can, find photos and receipts of any of the missing items for insurance purposes. Having trouble? Many stores keep a list of customers and their purchase. For example, it’s pretty easy to find receipts for good jewelry. Another good tip? Ask for family photos from holidays or celebrations at your house – your things will be in the background.
Be proactive and look for your things. Local pawn shops can be a great place to start.
Follow up with the police. Your responding officer will give you a case reference number – refer to it when you call to follow up.
In Elizabeth’s case a suspect was caught. They got a call from the county attorney’s office regarding the suspect’s trial date and restitution (payment to us for the stolen and un-recovered items). She says that when you’re calculating restitution be sure to include your insurance deductible and depreciation that was taken out of your insurance settlement.
Pay attention to the case. If guilty and sentenced, the thief will have longer to “work off what they owe back to you” while in jail. This gives you an idea if there’s a chance you’ll see the full amount of your restitution.
BONUS TIP! Be patient. Be prepared for the process to take time. Elizabeth felt luck that someone was caught – from identification of a suspect through a guilty plea and sentencing, their process was two months.
Welcome back! It’s Day 2 of our week-long spring cleaning series. (Read Day #1 here!)
Spring cleaning can be a lot more than just cleaning out closets and putting winter items away: how about “cleaning” and organizing your financial house as well!
Pick a topic below and get started!
Having adequate coverage is key, just in case the unexpected occurs. You never know when Mother Nature might cause a slight disruption in your life, so get ready!
1. How much is your home worth? Do you have enough insurance on your home to rebuild it if it is destroyed? Do you even know how to calculate the amount of insurance you need? Learn how to estimate your home’s value.
2. Am I covered? The more you know and understand about home insurance, the better you can insure yourself and your family in case of loss. Top questions to ask your agent…
Overwhelmed with spring cleaning? Can’t even begin to think about all those chores you have to do for your work, home or car?
Well, not to worry! Bookmark this page or come back and visit us each day this week – we’ll get you ready for spring in no time!
First things first: get organized at HOME!
1. Spring cleaning. For general cleaning, one of the best resources out there is Real Simple’s section devoted to this seasonal drudgery. If you’ve experienced a disaster, fire, or even water damage, you know that cleaning up after these messes requires a lot more work. Read our Start the Cleaning Process article for tips on tackling those dirty jobs.
3. Get organized. In order to do your taxes, you’ll need an organized space to do them. We asked home office organizing expert, Lisa Kanarek, to offer her top tips on getting organized – read her handy advice here.
4. Finally do that home inventory! Never done one? Weâ€™ve made it easy to get startedâ€¦
That’s all for Day #1 of our Spring Cleaning Series! Check back tomorrow for advice on getting your insurance policies in order (including top tips from insurance agents!!).
Still in need of additional contact lists to have just in case? Print out these handy emergency contact lists to keep a hard copy of your contact numbers – store them near your landlines at home or at work.
Taxes, filing, inventories…sometimes you need to organize before you can start organizing!!
To help you make home office and home organizing a little easier, we spoke with Lisa Kanarek, home office organizing expert and author of â€œHome Office Solutions: Creating a Space That Works For Youâ€.
Here are her top recommendations about the things you can do today to get organized, save money and get ready for the New Year ahead:
WHN: How do you advise home office owners/homeowners on how to do a home inventory of their office?
Lisa K.: Start by listing all the important equipment you own â€“ computer, fax, printer â€“ it probably wonâ€™t be much [in your home office]. Write down the year, when and where you bought it. I tell home office owners to [videograph] everything: grab a camera and just start taping everything. Keep one copy [of the footage] in your office and another offsite, in case a disaster hits your home.
WHN: Should you back-up your computer files, just in case?
Lisa K.: Every week you should do a back-up of your hard drive. You donâ€™t have to do everything, just do the new things you added in the past week. I use a flash-drive and do two back-ups and keep one on site and one offsite.