Claiming Personal Home Insurance When Missing Some Receipts

Personal home insurance provides a benefit for individuals who experience a loss due to damage or fire to their home. The coverage extends protection for the cost of the home to be rebuilt, the dwelling itself and for personal items. Personal items can include items like furnishings, appliances, jewelry and art work. The items are typically listed in the policy and given an appraised value. The value is used to determine the insurance benefit. When a loss occurs, you must file a claim to your insurance company to be reimbursed for the value of the loss. As part of the claims process, you may need to provide receipts to estimate the value of a lost or damaged item. In cases where you do not have such proof, you may be able to use these steps to file your claim.

Step 1: Contact Store Where Purchase Was Made

You should contact the store where the purchase was made and inquire if they have a copy of the receipt. Many stores keep receipts for years and you may be able to get a copy. For larger purchases, such as furniture, a copy of the store’s receipt is usually proof of purchase.  If the item was a gift, you can contact the person who gave you the item and ask them to request a copy of their receipt.

Step 2: Provide Copies of Credit Card Statements

Since many of the purchases we make are done via credit or debit card, search your bank statements for proof of purchase. The statement will help you determine the amount of the purchase, the date of the purchase and from whom the purchase was made. Make a copy of the statement and provide it with the home insurance claim form.
At the very least, the value of the item will be documented.

Step 3: Check Policy

You should also check the insurance policy itself to see if you attached any information concerning the item. This could be as simple as a listing of covered items with a notation on the appraised value. This will provide you with some indication as to the value of the benefit and can be used to verify the items worth.

Following the above referenced steps will provide you with a solution to providing proof of loss information for your home insurance coverage. It is always a good practice to maintain a separate file for information related to your home insurance policy and keep copies of receipts and other documentation needed for a claim. It may also be helpful to scan these documents electronically in order to keep a copy on your computer’s hard drive or memory stick. Also, try to update your insurance records yearly by taking photos of your valuables and storing them in a fire retardant safe.

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