How you can be prepared for an RV insurance claim.
Your RV is like a second home. This means that you keep many belongings on board. Unfortunately, travelling in your RV exposes you to certain risks, and some of your possessions may be damaged or lost due to certain perils. In this case, you can file a claim with your insurance provider. However, filing a claim can be difficult if you do not have an RV inventory to refer to. Here’s is how you can make your inventory and be prepared for an RV insurance claim.
- Why You Need an Inventory
In the event that your RV suffers major damage, your personal belongings will probably be damaged as well. At this point, your insurance provider will ask you to provide information on the items that you want coverage for. They will ask you for a list of items that were damaged, the value of these items, and proof of ownership. If you do not have this information on hand, then you may not be able to access all the coverage that you need. The best way to ensure that you have the right information at the ready is by creating an RV inventory.
- What You Need
When conducting your inventory, you can make a physical list with pen and paper or choose to use your phone, laptop, or other digital devices. You will also need something to take pictures and video records of your belongings so you can show the current state of each item you are documenting. For items worth over $100, you should also save your purchase receipts so you can include them in your inventory.
- Conducting an Inventory
When conducting an inventory, it’s best to tackle things in small sections. For instance, you should begin your inventory outside your RV and record all of the belongings in your outside storage components. Once you finish the outside, you should slowly work your way in, ensuring that you don’t miss anything as you go. When adding an item to your inventory, you should include a description of the item (photos or video clips of the item will help here), its model and serial numbers, its purchase date, its original value, and its estimated current value. Highlight high-value items on your inventory as these are the things that you will want to cover the most. Once you have finished documenting everything, make copies of the inventory and keep them in different locations such as in your RV, in your home, in a safe deposit box, and with trusted family members. This will ensure that you can access your inventory no matter what the situation.
This is how you can create an RV inventory and be prepared for an RV insurance claim. Do you have further questions regarding your RV insurance? If so, then contact the experts at Powersports Insurance Agency. Our dedicated team is eager to assist you with your motorsports equipment insurance today.
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