Anticipating disaster by creating a list of what you own is a smart idea, according to Michael Gentile, a seasoned Santa Monica REALTOR who also specializes in insurance claims.
It is better to list all your possessions now than go through a frustrating experience of recalling all your important home items after a disaster. Creating a detailed inventory of all your possessions, no matter what value, is very important. Documentations are very important in insurance claims. 
Compare estimated values to your policy’s coverage for replacement purposes in case of damage or theft. You can get extra coverage for items whose values are above the cap on your disaster or homeowners policy.
Taking Photos and Videos are Equally Important
Photos and videos make strong verification of possessions for insurance claims. Recording a video inventory of all your items is easier than taking pictures. As you record all items in each room of your house, describe the details of the item which can makes valuable (e.g. number of stones in a jewelry). Zoom in on serial numbers of power tools, electronics, etc.
Safeguarding Your Inventory
Digital media inventories can be uploaded online. Online backup service sites such as iBackUp.com charge $10 a month. You can also store them in a USB and put it in a safety deposit box, at a relative’s house, or inside the emergency bag. Receipts and appraisals of valuable items should be stored off-site. More documentation means easier claims process.
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