What to do if you have a loss to your home

Insurance is something you purchase hoping you never have to use it. But if you do have a loss here are a few points to keep in mind:

  1. Before something happens -- be prepared.
  2. Keep a list of all the contents in your home, and put it someplace safe, not in the home. (Check with your agent for Central's Household Inventory booklet designed to be a helpful guide to listing all your personal property.)
  3. Take pictures and update the list annually. Many people video tape each room and the contents. Keep receipts for all "big ticket" items.
  4. Because the cost of replacing your house rises each year, review your policy annually.
  5. After the loss, take all necessary steps to protect the property from further damage.
  6. In case of robbery or vandalism, call the police.
  7. Call your agent. They will explain your policy and options as well as advise you about any further action you should take.