Tuesday's Tips 4 Pics

You Can't Afford to Put This Off Any Longer!

While devastation from extreme weather events seems to fill the news more and more these days, you NEVER really think it will happen to YOU.


However, the fire in Colorado just five days ago was a stark reminder that "IT" can happen to anyone, anytime, anywhere.


At a time of year when we would normally have quite a bit of snow under our belts and much colder temperatures, fire is just about the last thing on anyone's mind... especially in the middle of suburbia.


But all it took was a spark, unusually dry conditions and winds over 100 miles an hour to create what is now dubbed as the most destructive fire in Colorado's history. 991 structures were lost in a matter of hours, leaving thousands of people homeless with nothing more than the clothes on their backs.


And while those who lost everything are just trying to process the trauma and get through today, they will be asked to compile detailed lists for their insurance companies of belongings that took a lifetime to collect, many of which are irreplaceable.


I'm not sure about you, but I can't even remember where I put my keys some days. If I were asked what was in every nook and cranny of my home I would be at a loss, especially in that state of mind.


So if you haven't already, I am begging you to do your home inventory! You can't afford to keep putting it off!


HOW TO GET STARTED WITH YOUR HOME INVENTORY

Step 1: Decide you will get this done by the end of January.

Step 2: Add 1-2 hours on your calendar for the next 4 weeks to work on your inventory. It can be day, night, weekday, weekend... it doesn't matter just get it on your calendar or it won't happen! Step 3: Divide your house into 4 sections

  • If you live in a one-bedroom apartment you can do one room a week.

  • If you live in a 3,000 square foot house you might divide your home into:

  • bedrooms & office

  • kitchen & bathrooms

  • family room(s) & basement

  • garage & important documents in the filing cabinet/safe


Step 4: Stick to your calendar! Each week spend the time you set aside completing a home inventory of one of your 4 designated sections. Here are a few ideas to get you started but do whatever works for YOU as long as you get it done!

  • At the most basic level, take a video of each room documenting your large ticket items such as furniture, electronics and any valuables that might be in drawers or closets.

  • If you want to be a little more specific, record everything you would want to be replaced if you ever experienced total loss.

  • Download a home inventory app to walk you through the process. I have not personally used one, but HERE is a list you can check out with basic information and ratings. An app may be the way to go if you feel like you need more guidance.

  • Use a free template from any insurance company such as THIS to record specific information for items in your home above and beyond a video recording.

Step 5: Once you've completed your inventory make sure you have a copy of your video and/or documentation in the cloud, at your sister's house, in a safe deposit box or anywhere you could access it if you needed it down the road!

Step 6: As time goes on this list will need updating so add it to your calendar 6 months or a year from now as a reminder to review and update your home inventory.


As my very wise father pointed out, he needs to get this done but just hasn't made the time. So, we are working on putting together a class/service to offer for people who need more than just a reminder in Tuesday's Tips to actually do their home inventory! If that's you, look for more information in the weeks to come! And in the meantime, at least take a video of each room in your house over the next 4 weeks so you have something by the end of January!


And of course, if you would like to help the victims of this fire there is no shortage of places to give! Find an organization where you feel comfortable donating money, time or supplies. And if you live in Colorado ask around... it seems like everyone knows someone who lost their home. Those families might need something today above and beyond group funding!


I hope you have a safe and healthy start to the new year!


All the best,

Melissa

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