Insurance, claims and donations
What does insurance documentation include?
In short: An item-level photo inventory, a valuation schedule with the definition of value and its effective date, a summary letter for your agent, and a secure retained copy, with an optional annual update.
Each part has a job:
- Photo inventory: front, back and identifying marks for every item
- Valuation schedule: a value per item, the definition of value and the date it applies to
- Summary letter: a short cover letter your agent can file with the schedule
- Retained copy: kept securely under the retention and consent policy, so the record survives if yours does not
The format follows common scheduled-property requirements, and I adjust it to what your agent asks for.