Are you prepared for the unexpected?

They say you don’t know what you have until it’s gone. Truth is, you knew what you had; you just thought you’d never lose it.

Life can put you in the most unexpected circumstances. For a family in O’Fallon, Missouri, the most unexpected became reality. On Tuesday, their home exploded. Yes, you heard that correctly. Exploded. Workers digging for fiber-optic hit a gas line, and then the house was gone. Thankfully, no one was injured, but what was left? Nothing. Every possession not on their person was gone in the blink of an eye.

Now, you’re going to tell me that this could never happen to you. That is the standard answer we tell ourselves. It’s comforting. But in order to have that peace of mind, we need to be prepared for the unexpected. That is the purpose of insurance.

I can’t count the number of times I’ve heard, “That’s why I have insurance.” And while that is correct, what comes after that? The answer is a very long process of rebuilding. Finding temporary housing. Replacing your personal effects. Beginning the process to clean up and rebuild your home.

In the midst of all of that, your claims adjuster is going to ask you for a list of everything in your house. It needs to be replaced, right? If you asked most people what they own, they could probably give you a general list of basic furniture and appliances. The standard couch, bed, clothes, shoes, dishes, etc. But who really has a list? You should. Everyone should.

What I want to offer you today is the opportunity to be one step ahead of the unexpected. Do yourself a favor and make a list. We’ll even hold onto a copy for you in a secure, cloud-based system. Even if you leave our agency, we will still have that list for you to reference if it is ever needed.

Included below are the ways to obtain this form. We are here for any questions during this process, so don’t hesitate to reach us. What do you have to lose?

Get your home inventory checklist here.

Submit your home inventory checklist here: