How Do You Make a Home Disaster Inventory?

Begin by moving systematically through your home, one room at a time. Use your smartphone or camera to take clear, wide-angle photos and video clips of each space. As you record, open drawers and cabinets to capture the contents. Narrate the video with descriptions of major items, noting their age, brand, and any distinctive features for clarity later. A thorough walkthrough ensures nothing significant is overlooked, especially items stored in closets, under beds, or in attics. Don't forget to document your basement, garage, and any outdoor sheds, as these areas often contain valuable tools and stored belongings.

Compile all your photos and notes into a single digital document or spreadsheet. For each item, list its description, purchase price or estimated value, and the room it's in. Update this list at least once a year or after major purchases. A written list complements your visual evidence and can make itemizing losses for an insurance adjuster much more straightforward. Organizing items by category, such as furniture, appliances, clothing, and electronics, can also make the list easier to manage and reference. Consider adding a column for the date you acquired each item, as this information can be helpful during the claims process.

If your home suffers damage, your prepared inventory allows you to act quickly. You can provide the documentation to your insurance company to support your claim, which may help speed up the process. It also helps you remember what was lost when you are under stress. Having this proof can be essential for a fair settlement to help you recover and rebuild. Before discarding any damaged items, check with your insurance adjuster, as they may need to see the items in person as part of their assessment. Keep a printed copy of your most critical inventory pages with your emergency go-bag for immediate access after evacuating.