Community theater is back! - The Spectrum Magazine - Redwood ...
Community theater is back! - The Spectrum Magazine - Redwood ...
Community theater is back! - The Spectrum Magazine - Redwood ...
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Insurance Tips: Homeowners Insurance and Keeping Track of Your Goods<br />
By Russ Castle, Special to <strong>The</strong> <strong>Spectrum</strong><br />
Homeowners insurance <strong>is</strong> an invaluable<br />
investment for every homeowner. If your<br />
house went up in flames and you lost<br />
everything, would you be able to recall<br />
everything you owned, including the<br />
items’ values? If you came home from<br />
work to find someone had burglarized<br />
your home, would you be able to account<br />
for everything that had been taken<br />
or destroyed? While some items are<br />
priceless or have sentimental value,<br />
memories unfortunately are not sufficient<br />
for filing a homeowners insurance claim<br />
in the wake of a d<strong>is</strong>aster.<br />
In times of d<strong>is</strong>tress, you shouldn’t have to worry<br />
about whether your possessions are covered or<br />
not. If you purchase homeowners insurance, it <strong>is</strong><br />
important to know what your policy covers. Not<br />
sure what’s in your homeowners policy? That<br />
topic will be covered in a future article.<br />
Your homeowners insurance, ideally, will replace<br />
the cost of what you lose in a d<strong>is</strong>aster. More<br />
important, however, <strong>is</strong> the fact that you will be<br />
compensated only for what you can account for.<br />
In other words, fond memories are heartwarming,<br />
but they will not reimburse your losses in a<br />
catastrophe.<br />
“But how will I account for<br />
everything I lose in such an event?”<br />
Well, the most accurate way to keep track of your<br />
items would be to take an inventory of everything<br />
you own. While th<strong>is</strong> <strong>is</strong> a process that could take<br />
months to complete, it <strong>is</strong> your most worthwhile<br />
strategy should you experience m<strong>is</strong>fortune.<br />
“What do I need to include in th<strong>is</strong><br />
inventory?”<br />
Put simply: everything. <strong>The</strong> more you can<br />
account for in your homeowners insurance claim,<br />
the more likely you will be reimbursed. <strong>The</strong><br />
l<strong>is</strong>t should be as detailed as possible and should<br />
include appliances, carpets, jewelry, furniture,<br />
linens, antiques, furniture and the l<strong>is</strong>t goes on. To<br />
get your money’s worth, go from room to room<br />
and be sure you are as descriptive and detailed as<br />
possible.<br />
Include:<br />
1<br />
2<br />
3<br />
4<br />
5<br />
6<br />
7<br />
8<br />
9<br />
A description of the item (including the<br />
quantity)<br />
<strong>The</strong> manufacturer or brand<br />
Any model or serial numbers<br />
A description of where or how the item was<br />
attained<br />
<strong>The</strong> date of purchase or age of the item<br />
Receipt or other proof of purchase that<br />
shows the cost<br />
<strong>The</strong> current value<br />
<strong>The</strong> replacement cost<br />
Photocopies of appra<strong>is</strong>als<br />
“I’ll never complete th<strong>is</strong> process!”<br />
Keep in mind that while th<strong>is</strong> documentation<br />
process may be time-consuming, it <strong>is</strong> certainly<br />
easier than remembering everything you own.<br />
Don’t let th<strong>is</strong> task d<strong>is</strong>courage you. Take photos.<br />
Even better, make a night out of it. Grab your<br />
video camera and go from room to room to create<br />
a v<strong>is</strong>ual and verbal description of your items,<br />
l<strong>is</strong>ting everything in the room (e.g., 42-inch Sony<br />
flat-screen TV, model number 7893743798, serial<br />
number yuy47878; 15 dress shirts; 9 polo shirts,<br />
etc.). It might take you an hour to document your<br />
entire house. Regardless of how you complete<br />
your inventory, remember that your compensation<br />
rests on the quality of your documentation.<br />
“I’ve made the inventory; now what?”<br />
It <strong>is</strong> likely you invested a good amount of time<br />
to document your items. Whatever you do, keep<br />
that homeowners insurance inventory safe! If an<br />
unfortunate event comes your way, you certainly<br />
do not want your hard work to go to waste. Store it in<br />
a relative’s home, a lockbox, a safety deposit box<br />
or keep it tucked away in your office desk. While<br />
memories and keepsakes can rarely be replaced,<br />
it’s comforting to know your homeowners<br />
insurance will keep you financially secure should<br />
you have properly documented your items.<br />
Editor’s note: Th<strong>is</strong> article was written by Russ Castle<br />
of Castle Insurance Agency, a licensed and experienced<br />
insurance resource center fully prepared to help you navigate<br />
the process of changing or gaining a policy. If you need<br />
insurance help, call him at 650-364-3664.<br />
Advert<strong>is</strong>e with <strong>The</strong> <strong>Spectrum</strong><br />
Call Us Today<br />
650.368.2434<br />
Senior Activities<br />
<strong>The</strong> Veterans Memorial Senior Center,<br />
1455 Mad<strong>is</strong>on Ave., <strong>Redwood</strong> City,<br />
<strong>is</strong> providing the following activities<br />
that are open to the public during<br />
the month of August.<br />
Friday Movies for Everyone<br />
Every Friday, 1:15 p.m. (unless otherw<strong>is</strong>e announced)<br />
Come to the Veterans Memorial Senior Center for a<br />
free feature movie in our state-of-the-art movie <strong>theater</strong>!<br />
Aug. 6: “Extraordinary Measures”<br />
Aug. 13: “<strong>The</strong> Bounty Hunter”<br />
Aug. 20: “Green Zone”<br />
Aug. 27: “Brooklyn’s Finest”<br />
Retired and Senior<br />
Volunteer Program (RSVP)<br />
Free Lecture<br />
Wednesday, Aug. 25, 11 a.m.–12 p.m.<br />
<strong>The</strong> Retired and Senior Volunteer Program<br />
(RSVP) <strong>is</strong> a nationwide network of experienced<br />
adults who contribute their time and talent<br />
to important programs that strengthen their<br />
communities. Come hear Deborah Owdem,<br />
program director for RSVP of San Mateo &<br />
Northern Santa Clara Counties, speak about<br />
current opportunities, how they match volunteers<br />
with organizations and the benefits awarded to<br />
RSVP volunteers.<br />
New and Improved Lunch Program<br />
Tuesdays, Wednesdays, Thursdays, 12 p.m.<br />
Starting in July, Carroll’s Meats of Br<strong>is</strong>bane<br />
will be providing lunches Tuesdays through<br />
Thursdays at the Veterans Memorial Senior<br />
Center. <strong>The</strong> Carroll family came to San Franc<strong>is</strong>co<br />
in the early 1900s and helped found “Butcher<br />
Town.” <strong>The</strong> Carroll family brings th<strong>is</strong> h<strong>is</strong>tory to<br />
your table. Carroll’s products are created using<br />
special marinades. From house-roasted main<br />
courses to gourmet deli meats and side d<strong>is</strong>hes,<br />
Carroll’s has everything you could want or need.<br />
<strong>The</strong> lunch price will remain the same at $5, but<br />
the food will be cooked on-site. Our current cook,<br />
Ruby, will still be making her famous soups and<br />
desserts. Lunch at the VMSC includes housemade<br />
soup, cooked-on-site hot entree and yummy<br />
dessert, along with milk or coffee, all for just $5.<br />
It’s the best deal in town!<br />
To learn more about the Veterans Memorial<br />
Senior Center, call 650-780-7270. <strong>Redwood</strong> City<br />
Parks, Recreation and <strong>Community</strong> Services<br />
Department provides recreational facilities and<br />
activities for all ages and interests, and supplies<br />
building and custodial services for city buildings.<br />
<strong>Redwood</strong> City Parks also operates the Veterans<br />
Memorial Senior Center and the Fair Oaks<br />
<strong>Community</strong> Center, providing social, educational<br />
and cultural activities, as well as information,<br />
referral and counseling services to persons living<br />
in <strong>Redwood</strong> City and neighboring communities.<br />
<strong>Redwood</strong> City Parks <strong>is</strong> more than you think! Its<br />
website <strong>is</strong> www.redwoodcity.org/parks.<br />
<strong>The</strong> <strong>Spectrum</strong> 29