The year of 2017 has been full of incredibly devastating natural disasters, from hurricanes and floods to the wildfires in California that caused over a billion dollars in property damage. As insurance claims in some states top $3.5 billion dollars, it may be useful to have a few tricks up your sleeve to make sure the insurance companies can't leave you high and dry.
When you are away on vacation, or traveling for work disaster may strike. The stress of leaving behind all of your possessions can be easily eliminated with this simple trick.
Of course, you want to make sure you have the right insurance policy. Sadly, over 80 percent of Hurricane Harvey victims do not have flood insurance and face massive bills. Luckily for many, most homeowners' insurance policies do cover fire damage, unless you are in a high-risk area. Best to check and make sure.
Let's just assume that you do have the correct insurance policy when disaster strikes. You are going to want to make sure that you get what you deserve from that policy.
Insurance companies are notorious for shirking their responsibilities whenever they can legally get away with it, but you aren't going to let that happen.
Quick process, unbelievable utility
Take 10 to 15 minutes, right now, and walk around your house with a camera phone. Record closets, pantries, bathrooms, cupboards, garage and everything else. This quick task will give you more peace of mind than you know. The video that only takes a few minutes to record will save yourself a lot of the hassle and burden of proof associated with filing an insurance claim should disaster strike.
Clean or dirty does not matter. If you want to clean the house for the video, think of it as a before and after video and just make the recording now before you forget.
If disaster strikes and you must evacuate quickly, or heaven forbid that your house is flooded or burned, this video can serve not only as a reminder of things to list in a policy claim but as direct proof of home remodels, new tiling, carpet or any other changes that you may forget to list.
The insurance company may request receipts for something like new tile or a home addition that may be lost in the disaster, take photos of these receipts. Take video of house additions and remodels. If the receipts are lost, you have the photos for proof of purchase.
When the videos and photos are all ready, upload them to the cloud. Google Drive is a free storage account that offers 15 GB of space, that is plenty for just the video and a few photos.
Here is a short guide on uploading the data:
- Launch the gallery application on your phone.
- Tap the photos or videos you'd like to upload to Google Drive.
- Tap the share button. It's usually at the top of the screen. It's a right-facing "V" with dots on each point.
- Tap Save to Drive.
- Tap Account to choose which Google account's Google Drive you want to save to. (You must first create a Google account if you do not have one).
- Tap Folder to select the folder within that Google Drive that you'd like to save to.
- Tap Save in the bottom right-hand corner of your screen.
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Once your content is uploaded to the cloud, your memories of all of your personal possessions are safe in a place where no natural disaster can ever reach. You will feel an enormous weight of stress lift from your shoulders. You can now feel free to leave on vacation with a peace of mind that money cannot really buy.
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