Home Inventory List in Lakewood, WA

Keep a Home Inventory Checklist Just in Case

Two Ways to Construct a List

Home Inventory List in Lakewood, WAFor most of us, we won’t have to experience a disastrous home loss such as a flood, fire, earthquake or other disaster. That doesn’t mean any of us should be less prepared for such an event should one occur. Preparing a home inventory can be a large task, but taking the time to do so can make a difference of thousands of dollars when it comes to your claims settlement as well as simple ease of processing your claim.

For many of us, where we live symbolizes us and what is in that house symbolizes our lives. Our belongings represent our memories, personal style and even investments that hold significant value such as art.  When you add up how much all of your personal items are worth, it can be a substantial figure into the many 10s of thousands of dollars or more.

Home insurance claims from disasters such as flood or fire are traumatic. A home inventory checklist can help you remember quickly what items you had. Would you recall exactly how many pairs of jeans you had and what brand they were? Would you recall how many pairs of shoes you had or what brands they were? What about art? Could you recall the name of the artist and how much you paid for it?

Taking the time to inventory your home can be useful in the event of theft or damage to the contents of your home. Keep track of your items with this easy to use chart! You can even attach photos of your items and quickly send this chart to your insurance agent to help speed up the claims process. Another way to document is with a thorough video or video series. Be sure to store your home inventory checklist in a safe place like in the cloud.

The good news is your insurance agent likely gave you sufficient coverage for your personal property. If you feel like you need more, be sure to tell your agent. Home, renters and condo insurance policies typically come standard with this coverage.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Insurance Unlimited, Inc. in Lakewood, WA. They have years of insurance experience and can help you insure everything from your home to your auto or commercial Insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

 

How to Prepare a Disaster Kit in Lakewood, WA

How to Put Together an At-Home Emergency Kit

Be Prepared with a Custom-Built Supplies Kit.

How to Prepare a Disaster Kit in Lakewood, WAFall is a great time to consider disaster preparedness and to take a look at your family’s emergency kit. While disasters can happen anywhere, whether natural or man-made, it is important that your family be prepared.

For many, the thought of having a disaster preparedness kit in their home seems silly and unnecessary. The fact of the matter is that every state in our country is susceptible to a natural disaster such as an earthquake, tornado or hurricane, flood or even a volcanic eruption. Preparing for one of these events can be quick and inexpensive, but also a great time to educate your family about safety during one of these events.

The basic home preparedness kit, according to ready.gov should include:

  • Water – 1 gallon per person, per day. Minimum 3 day supply.
  • Food – non-perishable food such as canned tuna, canned fruits & vegetables, nuts, dried fruit, low sodium crackers, soups. Also, dry mixes that do not require refrigeration. Store food in tightly closed containers to extend it’s shelf life and protect from pests. Change food & water supplies every six months to keep fresh supplies.
  • Battery powered radio for emergency information
  • Flashlight with extra sets of batteries. (Consider an LED flashlight that requires much less energy to use)
  • First aid kit
  • Whistle to signal for help
  • Dust masks, plastic sheeting and duct tape to seal off an area from contaminants
  • Moist towelettes for simple hygiene
  • A manual can opener and pocket knife
  • Cell phone w/ solar charger of some sort

Additional items could include prescription medicines, diapers, pet food and blankets. Keep this kit in a designated area where your entire family can easily find it.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Insurance Unlimited, Inc. in Lakewood, WA. They have years of insurance experience and can help you insure everything from your home to your auto or commercial Insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

earthquake insurance lakewood, wa

Earthquake Insurance in Lakewood, WA – A Solid Foundation

Unlike some natural disasters, earthquakes are extremely difficult to predict. There are several regions in the U.S. that are at higher risk than others for having the “big one” and we just happen to live in one of them. Depending on the depth, intensity and duration, an earthquake can do significant damage to a home or condo.

This type of damage is not typically covered on a basic homeowner’s or condo insurance policy and only about 10 percent of homeowners purchase earthquake coverage. In this instance an earthquake insurance policy in Lakewood, WA may be a smart move.

Earthquakes and Washington:

  • Quaking ground: Earthquakes can be brought on by many factors. The movement of a tectonic plate in a subduction zone, the slipping of rock on a strike-slip fault line, a volcanic eruption or it can be triggered by an external factor, like drilling or mining. Generally the deeper the location of the earth’s movement, the stronger the earthquake, however, the shallower it is makes it more destructive. Earthquakes that occur along coast lines can be even more destructive as an earthquake can trigger a tsunami. Here in Lakewood, Washington, we are close to the Cascadia Subduction Zone. The CSZ is lengthy fault that runs from Vancouver Island in Canada all the way into Northern California, separating the Juan de Fuca plate from the North American plate. This particular fault has produced some damaging earthquakes, most recently in February 2001 when the Nisqually earthquake shook the Puget Sound region, had a recorded magnitude of 6.8 and caused about $2 billion in damages.
  • Dwelling damage: Damage from an earthquake can range from a few easily repairable cracks in the drywall of a home, to a complete failure of the structural integrity of a home. A homeowner may need to higher inspectors, structural engineers, a contractor and the list goes on. Not to mention that a family whose home was damaged in an earthquake will need a safe place to stay until the home is repaired. If the family does not have an earthquake insurance policy, they may be responsible for paying all repair costs out of pocket. These costs can often be thousands of dollars.
  • Earthquake Insurance: An earthquake insurance policy helps cover damages and additional living expenses up to a certain dollar amount. The policy cost and the amount of the deductible may vary depending on a number of factors including, but not limited to: Age of the home, distance from a fault line, location of the home (hillside, soil type, etc.) and the type of policy either Standard or Comprehensive. The monthly cost for an earthquake insurance policy can range from a few hundred dollars a year to a few thousand dollars a year depending on your location. If you or the previous owners retrofitted the home for an earthquake by securing the home to the foundation with seismic bolts or reinforcing walls or chimneys, you may be entitled to a lower earthquake insurance policy cost.

Before purchasing a home or condo, it’s important to remember to talk to your licensed insurance agent in Lakewood, WA to see if you might need an earthquake insurance policy. The experts Insurance Unlimited, Inc., in Lakewood, Washington have years of insurance experience that can save you a bundle. Plus they live right in your area, so know first-hand if you may need additional insurance such as flood insurance.  You can also visit their insurance website 24/7 to learn more about the other insurance products Insurance Unlimited, Inc., offers.

 

 

Disaster preparedness kits in Lakewood, WA

Basic home disaster preparedness kit in Lakewood, WA

No one wants to think that they may be stuck in their home during a natural disaster, but the reality is natural disasters happen in every state in our country. During a natural disaster, keeping your family safe and comfortable is a top priority and having a disaster preparedness kit will help you.

A disaster preparedness kit for your home in Washington should include these basics:

Food and Water:

  • Two week supply of bottled water
  • Two week supply of non-perishable food like crackers, protein bars, dried fruit, etc.
  • Infant food and formula
  • Pet food
  • Utensils and plates for each person

Shelter and Comfort:

  • Plastic sheeting
  • Duct tape
  • Sleeping bags for each person
  • Emergency blankets
  • Battery operated or hand crank radio
  • Emergency locator beacon
  • Multipurpose tool, such as a Leatherman
  • Flashlight (and extra batteries)
  • Hand warmers
  • Battery-operated cell phone charger
  • List of emergency numbers (including emergency contacts, insurance agent)
  • Copies of important documents such as insurance cards, IDs, home inventory lists, etc.
  • Books, toys or other entertainment items for children
  • Extra clothing/shoes for inclement weather
  • A first aid kit (make sure this kit has antiseptic, bandages, small scissors, aspirin or ibuprofen, hot and cold compresses)
  • “Help” or “Assistance Needed” sign
  • Feminine hygiene products
  • Diapers
  • Hand sanitizer
  • Personal sanitizing wipes
  • Surgical masks and gloves
  • Air horn or whistle
  • Necessary medications

Safety and Hygiene:

Of course you can add additional items to your disaster preparedness kit depending on the needs of your family. Store your disaster preparedness kit in an easily accessible area, make sure you check your kit often and update it as things expire. For more information about disaster kits, please visit Ready.gov.

We hope that you never need to use your disaster preparedness kit, but we hope that it will help get you and your family through the stress of a natural disaster. If a natural disaster does occur in our area, once your family is safe, call your insurance agent at Insurance Unlimited, Inc., in Lakewood, Washington as soon as possible. They can help you get the claims process started. Whatever your insurance needs, the experts at Insurance Unlimited, Inc., can help. Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer like earthquake or flood insurance