Would You Be Able to Prove What You Owned After a House Fire?

Quick answer: Create a room-by-room record before a loss. Photograph wide views and valuable items, record brands, models, serial numbers, purchase dates, and receipts when available, and store a copy away from the home or in secure online storage. Review coverage limits for high-value categories with the insurer.

Memory is a poor inventory after a loss

The South Dakota Division of Insurance says an inventory with photos and proof of ownership can make it easier to complete an accurate, detailed claim after a home is damaged or destroyed. Trying to recreate every drawer, cabinet, tool, and electronic device from memory adds work during an already difficult time.

Record enough detail to identify the item

Walk through every room and storage area. Capture a wide view, then photograph or video important groups and individual high-value items. Note the brand, model, serial number, approximate purchase date, and cost when known. Save receipts, appraisals, and confirmation emails for major purchases.

Store the inventory somewhere the same event cannot destroy

The Division recommends keeping the inventory and related documents in a safe, accessible place, such as secure online storage, a computer backup, fire-resistant container, or safe-deposit box. A copy held only on a phone or laptop inside the house can disappear with the property.

Use the inventory to review the policy

Certain property categories may have special limits, especially jewelry, firearms, collectibles, tools, or business equipment. Share the inventory with the insurance professional and ask whether valuations, schedules, or additional coverage are appropriate. Update the file after major purchases or once a year.

A home inventory is not a valuation or a coverage guarantee, but it gives the homeowner and insurer a far better starting record after a loss. Reach out to us at timrealtor.com/contact-us.

FAQ

Do I need a receipt for every household item?

No, but receipts and other proof are especially useful for major or high-value purchases. Record as much identifying information as reasonably possible.

Should the only copy stay inside the house?

No. Keep another secure copy off-site or online so the same loss does not destroy the inventory.