Here at U.P. Insurance Agency Inc., we want our clients to get full benefit from the coverage they purchase for their family and property in Negaunee, MI. Documenting through photos, video, appraisal, inspection reports, and similar methods can help if the need for a claim arises. You’ll be able to present the documentation for comparison with the current state of the item or property, showing changes in its condition. We can help you determine what kinds of documentation are appropriate for use with your insurance company and assist in presenting it to them in case of a claim.
Coverage Considerations from Documentation
When you have parts of your property inspected as part of insurance documentation, you may find that it’s better to adjust your insurance coverage because of the cost of repair or replacement in case of claims. The professional providing an inspection or appraisal may note that the value has also increased, and your coverage should be adjusted appropriately. With the dynamic nature of insurance coverage, this also reminds our U.P. Insurance Agency Inc. customers in Negaunee, MI that documentation shouldn’t just be decade-old papers in a file cabinet somewhere. They should be updated regularly and possibly reviewed with your insurance professional.
What If You Don’t Have Documentation?
If you don’t keep documentation for property involved in a claim, get creative. You may find snapshots that contain pictures of the item that are helpful in the claims process. Professional photographers offer services for photo and video documentation of your valuables, your home, vehicles, and other coverage items or properties. Don’t forget to ask our insurance professionals about special coverage for particularly valuable items like heirlooms. We can help you make the most of your important insurance coverage!
