As they gather all the items they are taking with them, create a personal property inventory. This will be extremely helpful in case there is a fire, theft or other disaster. It's too difficult - especially under the stress of having just been through a rough experience - to remember everything. Think of how much a college "needs" these days ... laptop, printer, iPod, television, radio, CD player, DVD player, headphones, camera, sports equipment, musical instrument, lamp, clothes, linens, jewelry, DVDs, CDs and more!
Then, if there is a need to file an insurance claim, they will be able to provide the proof of ownership immediately to the police and/or campus authority and you'll be able to begin the claims process immediately with the insurance company. You'll have yours completed, money in hand from the insurance company and your new items purchased, while others will probably still be trying to remember everything!
The easiest way to create this inventory is to take a photo and list each item as you gather it. List the manufacturer, model number, serial number and what you paid for it. Photos are helpful, especially when you state how many CDs, DVDs, jewelry and clothing items. This keeps you from having to list each one, as the photos will support your claim. One college student told me that when he had a theft, the insurance company asked him to provide a title for each CD he claimed as stolen - they needed some type of proof. With a thorough list and good photos, you'll be able to do that.
We all hope there will never be a need to file an insurance claim, but we all know it does happen every day. The best way to protect yourself to ensure a sufficient insurance reimbursement is to prepare by having an inventory of all of your belongings.
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