A pre-prepared contents inventory should be accepted by most insurance companies and you should keep it updated. Insurance companies may require the inventory be placed on one of their forms. Insurance companies may also require receipts or other documentation of ownership for these items on the inventory, especially higher dollar items. Check your policy language. Some adjusters will give you forms that they say are "required" when they are NOT required by your policy. Most policies I've seen, only say they need a description of the item, when you bought it, the replacement cost of the item and the amount of depreciation. With digital cameras so popular it would be easy to make a photographic diary of the contents of your home. After the photos are taken - burn them onto a CD. You could have several directories on the CD for instance - furniture - silverware - furs....
The best way I know of is to engage an independent third party professional Appraiser to inspect, identify and valuate your property. Then when you make a claim, if you ever do, there is professional evidence in your favor.
It is really helpful to have an inventory, but in the 100 or so Personal Property claims due to fire that I have worked, only 1 person had a pre-loss inventory. Its something people always think of AFTER they need it. At least take a few photos. I recommend 5 per room as a minimum, and use more in the kitchen, or any room that has cabinets.
There is a section on my website which goes further into the pre-inventory process, and how to do it.
The supervisor should file the claim with the Injury Compensation Program Administrator (ICPA).
The supervisor should file the claim with the Injury Compensation Program Administrator (ICPA).
The supervisor should file the claim with the Injury Compensation Program Administrator (ICPA).
Injury Compensation Program Administrator (ICPA)
home inventory
Injury Compensation Program Administrator (ICPA)
Bulimiahelp.org is a website, founded by a husband and wife team, that supports and assist people who have this condition. They are not doctors but claim to have done extensive research to find the best treatment. There is a charge for their program.
Having a witness will always assist in making a claim for workers compensation, but it is not essential. In the UK - if an accident at work occurs an entry should be made by your employer of the accident circumstances. If the accident was serious or required more than 3 days off work - the Health and Safety executive should be notified by your employer who should investigate the accident circumstances. Your lawyer can access these documents which will assist your claim. For more details on how to show your employer is at fault see the attached link.
There are attorneys in the phone book or through a bar association who assist with this type of claim.
Injury compensation program administrator (ICPA)
There are many different types of compensation one may be entitled to in the UK. Should someone be hurt violently, physically, or in an automobile accident, one should contact a lawyer to seek medical advice. They will be able to assist and start the claim process.
You should make sure to keep detailed notes about any conversations that you have with the insurance company in addition to ensuring that you have a comprehensive inventory of everything that was lost, including receipts if possible.