JONESBORO, AR (KAIT) - If the first phase of terror is living through a natural disaster, the second phase is having to rebuild after a home and everything in it has been destroyed.
State Farm Insurance Agent Skip Highfill said in his 37 years of experience, he has seen how starting over is somewhat easier for people who planned in case of disaster by taking inventory of their personal belongings.
"After what we've seen in Oklahoma, it brings home how important this is," he said.
People should make a detailed list of their property and take pictures of all of it."Most insurance companies will provide you (with a blank list), and it will help you list what you had in your house," Highfill said. "You would never be able to remember what's on the endtable, but the picture would remind you what's on it, and everything on it has value that your insurance company should and would be responsible for paying you for."
Also, it is important to know the appraised value of antiques and any type of collections before a disaster hits. "It's almost impossible to establish value after the loss. You establish the loss on antiques before the loss."
Highfill says renters should check with their landlords to verify what is covered by insurance because the landlord's coverage generally only covers the building.
Click here for more tips on what to do after a disaster.