Video cameras and home computers might not seem like obvious firefighting tools, but they`re the latest weapons in battling the devastation of a big blaze, whether it`s a raging wildfire or one that originates in your home.
Any kind of documentation-itemized lists, still photographs, even copies of receipts-is a good idea, whether there`s a dispute with the insurance company or someone in the family needs a prescription refilled right away.
While many insurance companies now send detailed written forms to their clients, some consumer experts say the high-tech way is best.
Amy Bach, a San Francisco attorney representing insurance consumers, says videotapes are most effective when dealing with insurance companies.
”It gives you a sense of the space,” she says. ”This is particularly important if you don`t have (house) plans. And be sure to use narrative. Say, `Here we are in the kitchen, where the cupboards are custom-made and the floor is marble imported from Italy.` ”
Store your records
Storing important records and lists of your possessions on computer disks is another idea that`s catching on. Nolo Press in Berkeley offers a recently updated software package, Nolo`s Personal Records Keeper 3.0, for $49. It lists 200 categories, is compatible with both DOS and Macintosh operating systems and can print out by room-great if just a portion of your home is hit by fire.
Documenting the contents of your home is the perfect rainy-day activity, says David Fountain, spokesman for the Personal Insurance Federation of California.
Unfortunately, he adds with a laugh, ”We don`t have as many of those here as you do back East.” Nonetheless, insurance experts say it`s a good idea to go ahead and do it.
”In theory, companies should accept your word for what you have,” says Bach. ”The law does not require you to keep receipts. But practically speaking, to avoid the kind of nightmare some people are going through in the East Bay (in the wake of the devastating Oakland fire), the most prudent course is to have physical evidence.”
No matter what kind of documentation you use, be sure to describe things in detail: the date bought, where it was purchased, how much it cost. If something was a gift, say when you got it.
After you`ve itemized your possessions, be sure to make copies of the record and of other personal papers. Then put them in a safe place outside your home, either in a safe-deposit box or with friends who do not live in the area.
Here are some other tips to make life easier after a fire:
– If possible, get a copy of your house plans. You`ll need them in the event of total destruction. Check with your assessor`s office-they may be on file there. Local architectural groups or preservation societies also may be of help.
– Go through each room methodically. Open closets, cabinets and drawers. If taping or photographing, do closeup shots of big-ticket items, such as appliances and computers.
