A pre-storm home inventory for Perdido Key owners in Gulf Breeze

Start with a wide photograph of each room and a short walk-through video. Open storage areas you can safely access and identify things a general photograph would miss, such as instruments, electronics and tools. Record make, model and serial number for high-value equipment. Include ordinary furnishings and belongings as well, since their individual costs may be small but the combined inventory can be substantial.

Make records usable after a loss

Use columns for room, item, approximate purchase date, identifying details and proof of ownership. Mark estimates as estimates. A refrigerator entry could include a photo of the label, the purchase invoice and a photo showing where it sits. For items without receipts, a dated photograph or manual may help identify them later. Keep sensitive files in secure storage with a backup you can access away from the property.

Update the inventory as the home changes

Add major purchases and remove items you sell or donate. Keep a copy of the current policy and endorsements near the inventory, with carrier contact information. If damage occurs, copy the pre-loss list and mark affected items on the copy. That way you retain a clean record of the condition and inventory before the event.

Official resource

Florida DFS homeowners insurance overview: https://www.myfloridacfo.com/division/consumers/understanding-insurance/homeownersinsuranceoverview/

Ask PAJOE about your claim

For a free initial claim review, call PAJOE Public Adjusters at (850) 842-6424.

Florida Public Adjusting Firm License # W894577
Joseph Whitefall | Florida Public Adjuster
Individual License # E166230

Our public adjusting fee is contingent on a recovery. Before you retain PAJOE, we explain the agreed percentage and the payments to which it applies. Fee terms are set out in our signed agreement. Any outside expenses require separate written authorization consistent with applicable Florida law.

PAJOE provides public adjusting services and does not provide legal advice. Coverage and recovery depend on the policy, the facts of the loss, and supporting evidence. No particular decision, payment, additional recovery, or resolution timeframe is guaranteed.