You may think that once you have house insurance, you’re fully protected. Unfortunately, too many people discover that in the case of an actual loss, proving what you’ve lost and the value of what you’ve lost is difficult – and can lead to delays, long struggles and disappointing settlements. After a fire, theft, or natural disaster, your insurance company will require a detailed, itemized list of your losses to substantiate your claim. If you were asked to write down all of your belongings without looking around your property, would you be able to remember everything? That can mean the loss of thousands of dollars worth of contents in your home or business.