By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: A contents inventory is the itemized list of your damaged or destroyed personal property, and it's the basis for the Coverage C, or Personal Property, portion of your claim. Each item should note a description, age, original and replacement cost, room location, and a photo if available. Pre-loss photos, receipts, and statements strengthen it.
What each item needs
- Description
- Age / year purchased
- Original cost (if known)
- Replacement cost
- Photo if available
- Room location
Depreciation on contents
Contents typically depreciate faster than dwelling: electronics, clothing, and furniture often at 10-20% per year.
Documentation tips
- Pre-loss photos / videos (even cell phone walk-throughs)
- Receipts, credit card statements
- Owner's manuals
- Shipping records for online purchases