A simple home inventory video can save you thousands in a fire insurance claim. Here’s everything you need to prepare.
A fire is one of the most devastating things a homeowner can experience. Everything you own, everything you’ve built, can be gone in an instant. When you evacuate, there’s only so much you can take with you. But there is one step – one simple action – that will make all the difference if you ever have to file an insurance claim.
A video inventory of your home.
This step alone will put you light years ahead if you suffer a loss. It’s the difference between fighting with your insurance company over what you owned and having clear, undeniable proof.
Most people don’t think about this until it’s too late. But if you take a few minutes today, you’ll be in a far better position to rebuild your life if disaster strikes.
Of course, protecting your insurance claim is only part of fire preparedness. Knowing what to take, what to do before you leave, and how to keep your family safe is just as important. This checklist covers everything you need to be fully prepared in case of an evacuation.
Step 1: Create a Home Inventory Video (Your Best Insurance Protection)
Why This One Step Is a Game-Changer
After a fire, your insurance company will ask you to list everything you lost. Every appliance, every piece of furniture, every piece of clothing, every tool in the garage.
Here’s the problem:
- You won’t remember everything. Trauma clouds memory, and stress makes it hard to recall details.
- If you can’t prove you had something, the insurance company might not pay for it.
- Without documentation, you may receive less than what your items were worth.
A Home Inventory Video Eliminates This Problem
This one step:
- Proves ownership – insurance companies can’t dispute what they can see.
- Documents the condition of your home before the fire.
- Speeds up your claim payout.
- Ensures you receive the proper amount for lost items.
How to Take a Home Inventory Video in 10 Minutes
- Walk through your home, room by room. Move slowly and capture everything.
- Open drawers, closets, and cabinets. Show clothing, kitchenware, tools, and stored items.
- Narrate as you go. Mention brand names, serial numbers, and purchase dates if you can.
- Don’t forget the garage, attic, and outdoor storage. Tools, bikes, and seasonal decorations can add up.
- Save your video in a secure place. Upload it to cloud storage or email it to yourself.
That’s it. In less than 10 minutes, you’ve taken a huge step toward protecting yourself in case of disaster.
Step 2: Grab the Essentials – What to Take With You
You can’t take everything, but you can take the most important things – the ones that are difficult or impossible to replace.
Identification & Legal Documents
- Passports
- Birth certificates
- Social Security cards
- Driver’s license or ID
- House deed and car title
- Any legal documents (wills, trusts, power of attorney)
Medical & Financial Necessities
- Prescription medications (at least a week’s supply)
- Health insurance cards
- Bank records, checkbooks, and credit cards
Valuables & Electronics
- Jewelry and sentimental keepsakes
- Laptops, external hard drives, and backup drives
- Photo albums, baby books, and personal mementos
Step 3: Preparing Your Pets for Evacuation
Your pets rely on you to keep them safe. Make sure they’re part of your evacuation plan.
What to Take for Your Pets
- Crate or pet carrier
- Leash and collar
- Food and water (at least 3 days’ worth)
- Medications and vet records
- A comfort item (toy, blanket, or bed)
YPA Tip: If your pet hides when scared, get them early. Call them into a safe room before evacuation orders come in so you’re not chasing them when it’s time to go.
Step 4: Smart Evacuation – What to Do Before You Leave
Evacuating is stressful, but a few small actions before leaving can help protect your home and firefighters.
Checklist Before You Go
- Pack a small bag with clothes for a few days.
- Fill a backpack with snacks, water, chargers, and flashlights.
- Tell someone where you’re going – call a friend or family member.
- Close all windows and doors to slow fire spread.
- Turn off HVAC systems to prevent smoke from circulating inside.
- Unlock and prop open gates so emergency crews can get in.
- Leave garden hoses and ladders accessible in case firefighters need them.
If evacuation orders are in place, leave immediately. Roads can close fast, and conditions can change in seconds.
Step 5: Other Fire Safety Precautions (If Time Allows)
If you have a little extra time, these steps can further protect your property.
- Move flammable outdoor items away from your home. This includes patio furniture, propane tanks, and firewood.
- Shut off gas lines at the meter. This reduces the risk of explosion.
- Leave lights on inside and out. This helps firefighters see in smoky conditions.
- Check on neighbors. If someone nearby needs help evacuating, do what you can.
Fire Evacuation Checklist: The One Step That Puts You Ahead in an Insurance Claim
A fire evacuation is stressful and fast-moving, but having a solid plan in place before disaster strikes can make all the difference. This checklist covers everything you need – from what to take, how to prepare your family and pets, and the one step that will put you ahead in an insurance claim. Download Fire Evacuation Checklist (PDF)
If You Have Family Members Struggling with What to Take
In an evacuation, emotions run high. Everyone wants to take something important to them, but time and space are limited. If you have family members struggling to decide, here are some ways to help:
Set Clear Priorities:
“We need to grab things that are irreplaceable or necessary for survival.”
Give Each Person a Bag:
If everyone has a small backpack or duffel, it helps limit what can be taken.
Use the 5-Minute Rule:
“If we only had 5 minutes, what would we take?”
Focus on Rebuilding, Not Material Items:
“The house and things inside can be replaced. Let’s focus on what we need to move forward.”
Take Photos of Items Left Behind:
If someone is struggling to leave something sentimental, taking a photo of it before evacuating may help ease the anxiety of letting go.
Fire Evacuation Planning Before an Emergency
A fire evacuation checklist isn’t just something you use at the last minute – it should be part of your overall fire preparedness plan. Taking steps before an emergency happens will make evacuating easier and faster.
Create a Fire Evacuation Plan for Your Household
- Identify two exit routes from each room in your house.
- Establish a designated meeting place outside of your home in case family members get separated.
- Assign responsibilities – One person can grab the pets, another the emergency kit.
- Practice fire drills twice a year – The more you rehearse, the easier it will be under pressure.
Pack an Emergency Go-Bag
A fire evacuation kit should be pre-packed and ready to grab at a moment’s notice. Here’s what to keep inside:
- Clothing and shoes for at least 3 days
- Non-perishable snacks and bottled water
- Flashlights, batteries, and a phone charger
- A small first aid kit
- Copies of important documents (stored in a waterproof bag)
- Cash (ATMs may not be available)
- Basic toiletries (toothbrush, soap, etc.)
YPA Tip: Keep your go-bag near your exit door so it’s easy to grab when evacuating.
Special Considerations for Vulnerable Individuals
Not everyone can evacuate quickly on their own. If you have elderly family members, disabled individuals, or young children, make sure your fire evacuation plan includes their unique needs.
For Elderly or Disabled Individuals
- Keep mobility aids like walkers or wheelchairs accessible.
- Plan for extra evacuation time – they may not be able to move as fast as others.
- Ensure medications, oxygen tanks, or special medical equipment are included in your evacuation bag.
For Infants and Young Children
- Have a baby carrier or stroller ready to move quickly.
- Pack diapers, formula, bottles, and a change of clothes in your emergency bag.
- Write down emergency contacts and tuck a copy into your child’s backpack or pocket in case you get separated.
Where to Go After Evacuating
Once you’re out, the next challenge is figuring out where to go. Many people don’t plan beyond just leaving their house.
Where to Stay After a Fire Evacuation
- Emergency Shelters – Check with local authorities or the Red Cross for designated shelters.
- Hotels – If you have insurance, your policy may cover temporary housing costs (keep receipts).
- Friends or Family – If you can stay with someone, let your insurance company know.
- RV or Campgrounds – Some people with trailers choose to relocate temporarily to a nearby campground.
How to Stay Informed About the Fire
- Sign up for local emergency alerts.
- Follow the fire department and city officials on social media.
- Listen to local radio stations for updates.
Returning to Your Home After a Fire
If your home has been affected by the fire, be cautious when returning.
What to Do Before Entering
- Wait for official clearance. Firefighters or emergency responders will let you know when it’s safe.
- Check for structural damage – look for cracks in the foundation, walls, or roof.
- Smell for gas leaks – If you suspect a gas leak, do not enter. Call the utility company.
- Turn off electricity before going inside if it wasn’t shut off earlier.
Who to Call First
- Your insurance company – Start the claims process immediately.
- A public adjuster – If the damage is significant, a public adjuster can help maximize your claim.
- A contractor or restoration service – You may need professionals to secure and repair your home.
Fireproof and Fire-Safe Items for Future Protection
Even if you never experience a fire, having fire-resistant storage solutions can protect your most valuable items.
Fire-Safe Items to Consider
- Fireproof safes – Store passports, birth certificates, and insurance policies in one place.
- Fire-resistant storage for valuables – Fireproof boxes for jewelry, heirlooms, and cash.
- Backup hard drives and cloud storage – Store digital copies of important files in the cloud.
- Home fire sprinklers and extinguishers – These can prevent a small fire from turning into a disaster.
You’re absolutely right! Adding an FAQ section will make this guide even more comprehensive and user-friendly. I’ll add common concerns people have about fire evacuations and insurance claims, making this the ultimate Fire Evacuation Checklist.
I’ll place this FAQ section right after the Fireproof and Fire-Safe Items for Future Protection section in the article.
Frequently Asked Questions (FAQ) About Fire Evacuations and Insurance Claims
How much time do I have to evacuate once a fire starts nearby?
This depends on the fire’s location and speed. Some fires spread incredibly fast, giving you only minutes to leave. If you receive an evacuation order, leave immediately. Fires can jump roads and shift directions quickly, making escape routes dangerous or impassable.
How do I know if I need to evacuate?
Authorities will issue voluntary or mandatory evacuation orders through:
- Local fire departments and emergency services
- Weather and fire tracking apps
- Emergency alerts via your phone or TV/radio
- Community sirens, social media updates, or news reports
If you ever feel unsafe due to smoke or flames nearby, evacuate even if no official order has been given.
Can I go back home after evacuating?
Only return when officials declare it safe. A home may appear intact from the outside, but could have:
- Hidden structural damage
- Gas leaks or electrical hazards
- Lingering hot spots that can reignite
Always wait for clearance from fire officials or emergency services before re-entering.
What happens if I don’t have time to grab anything before evacuating?
Your safety comes first. If you have to evacuate immediately without gathering documents or valuables, focus on getting out alive. Once you’re safe, you can:
- Contact banks, government agencies, and insurance companies to replace lost records.
- File an insurance claim for your home and belongings.
- Work with a public adjuster to document your losses and negotiate with your insurer.
What should I do if I lose my home in a fire?
After a total loss, here’s what you should do immediately:
- Contact your insurance company to start a claim.
- Call a public adjuster to help maximize your settlement.
- Keep all receipts – many policies cover temporary housing, food, and necessities.
- Secure a copy of your policy if it was lost in the fire (your insurer can provide one).
- Document your losses – this is why a home inventory video is a big help.
How can I prove what I owned if my home is destroyed?
This is where a home inventory video makes all the difference. If you don’t have one, you may need to:
- Provide receipts, photos, or bank statements showing major purchases.
- Ask family and friends if they have any pictures from inside your home.
- Work with a public adjuster to estimate lost belongings.
Without proof, your insurance payout may be lower than what you deserve.
How long will my insurance claim take after a fire?
It varies, but fire insurance claims can take weeks or even months. The speed depends on:
- How well-documented your losses are
- Whether your home is a total loss or needs partial repairs
- How cooperative your insurance company is
A public adjuster can help speed up the process and prevent unnecessary claim delays.
Will my insurance cover everything I lost?
That depends on your policy. Some policies cover replacement costs, while others only pay the depreciated value. Common things insurance might not cover:
- Certain jewelry, fine art, or collectibles unless you have special coverage
- Landscaping, fences, and detached structures
- Temporary housing costs beyond policy limits
Review your policy now so you know what’s covered before disaster strikes.
Can I negotiate my insurance settlement?
Yes! You don’t have to accept the first offer. Many insurance companies initially offer less than what you’re owed. You can:
- Review your policy carefully to ensure full coverage.
- Provide proof of losses (this is why a home inventory video is so powerful).
- Hire a public adjuster to negotiate on your behalf.
Public adjusters work for you, not the insurance company, to ensure you get the settlement you deserve.
Need a Quick Fire Evacuation Plan?
Don’t wait until it’s too late – be prepared with our Fire Evacuation Checklist. This easy-to-follow guide covers everything you need to evacuate safely, protect your home, and ensure a smooth insurance claim.
✅ What to take when evacuating
✅ How to prepare pets and family members
✅ The one step that puts you ahead in an insurance claim
Download your free Fire Evacuation Checklist now and stay prepared for the unexpected.
Download Fire Evacuation Checklist (PDF)
YPA Public Adjusters specializes in helping homeowners like you navigate fire insurance claims, maximize settlements, and get the support they need to rebuild. If you’ve suffered a loss and need help with your claim, reach out today at (682) 267-0336.