How to protect yourself in a homeowner claim.

The burden of proof in a homeowner claim is always on the insured - the homeowner. Since that is the case, I am suggesting you take your smartphone and record what you have inside your home. This then becomes your proof at the time of a claim.

No claims adjuster could deny using this for proof. A picture or video is way better than any receipts you may (but probably don't) have. Keeping this proof on your laptop or a thumb drive would be a good idea.

So use your smartphone in a smart way - capture what you own inside your home!

Tom Larsen