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How to Create a Home Inventory
A home inventory can expedite insurance claims process after
theft, damage or loss.
Imagine needing to list every possession in your home or
apartment, along with each item's worth after your belongings have been stolen
or destroyed in a tornado, wildfire or other natural disaster. That task may
seem impossible, so it is best to make the list before you need it. Below we've
answered your basic questions on why and how you should create a home
inventory.
Why do I need an inventory of my home or apartment?
A home inventory is an excellent way to help make home
insurance and renters insurance coverage decisions and expedite the insurance
claims process after theft, damage or loss. This record of your insurable
assets will not only help you in the settlement of a covered loss or claim but
may also help verify tax-deductible property losses and determine the right
amount of insurance coverage you need.
How do I create a home inventory?
The first step is to decide on what type of inventory would
be easiest for you to create. A home inventory can be as simple as a list of
all your possessions or a visual record for each item, but an effective home
inventory should include both for added security. Today, there are even digital
tools to help simplify the process of maintaining the list.
A written inventory: A comprehensive home inventory list catalogs
your belongings and should include the item description (make, model and serial
number, if applicable), value and purchase date. You can create your own list
using a spreadsheet or fill out a home inventory checklist that's ready to go.
A digital inventory: If you
have an iPhone or Android phone, there are apps that can be downloaded to your
phone, some of which are free. These mobile home inventory apps allow you to
record a photograph of the item along with the description, value and purchase
date.
A visual record:
A visual record of your possessions shows proof of ownership. This can be
accomplished with a video walk-through of your home or through a series of
photographs.
Once you decide on the type of home inventory you want to
create, according to the Insurance Information Institute, there are some simple
steps you can take to start the process. Don't forget to include the items in
your basement, attic, garage and any detached structures, such as tool sheds.
Also, pay special attention to your most valuable possessions, such as
antiques, art, jewelry, collectibles and electronic equipment. If you have
any questions about which items are covered by your policy, contact your
insurance agent.
Record possessions as you
pack to move into a new place: When moving to a new apartment or
home, take a couple of extra minutes to record the belongings in each room.
Pick one area at a time to
record: You can start with a hall closet or small kitchen
cabinet. Then, after capturing your belongings in that room, move on to the
next.
Record each item as you
redecorate: Whether you are redecorating your apartment or a
room, note each purchase you make and save the receipts. It will give you a
jump start on your home inventory.
Record recent purchases: Get into the habit of
recording new purchases. Then, as necessary, go back and record your older,
undocumented possessions. Along with the record, be sure to store sales
receipts and appraisals (including the appraiser's name and address) to help
verify the value of each item.
Record important information: Provide a
general description, where you bought it, the make and model, and what you paid
for the item. Include the serial number if the item has one.
Record the number of each
clothing type: List, for example, "five pairs of jeans,
three pairs of sneakers…" Make note of items that are especially valuable.
Include stored items as
well: Things kept in your basement, attic, garage and other
detached structures may not be at the top of your mind; however, you should
record those items as well. If you have items in a self-storage unit, make sure
to include them as they are usually covered under your home insurance policy.
Use technology to create your digital home inventory.
Take pictures.
Capture important individual items as well as entire rooms, closets or drawers.
Label your photos with what's pictured, where you bought it, the make or model
and the serial number.
Take video.
Walk through your house or apartment recording and describing the contents. For
example, you might describe the contents of a kitchen cabinet: "Poppies on
Blue by Lenox, service for 12 that includes a dinner plate, salad plate, bowl,
cup and saucer, purchased in 2015."
Use an app.
There are many mobile app options that can help you create and store a
room-by-room record of your belongings.
How should I store my home inventory?
Don't let your home inventory become part of a property
loss. Whichever inventory method you choose, it's important to keep a copy
in a fireproof safe, safety deposit box or digitally in the cloud. You can even
email your inventory to your insurance agent. Sending the list has the added
value of allowing your inventory to be examined by your agent to see if you
need extra home or renters coverage or to add a Personal
Articles Insurance policy.
If you need information about homeowners, rental, and
auto insurance, call a Five Star Rated Agent:
Laurel Flowers – State Farm Insurance Agent at 251-675-4736.
Seniors Helping Seniors In-Home Care Recognizes Alzheimers and Brain Awareness MonthSeniors Helping Seniors Southwestern PA in-home care underscores the importance of compassionate support for those living with Alzheimers and the families who care for them. PITTSBURGH, PA June marks Alzheimers and Brain Awareness Month, a time to shine a light on the more than 7 million Americans currently living with Alzheimers or other forms of dementia a number projected to nearly double by 2050. In honor of this important month, Seniors Helping Seniors Southwestern PA in-home care is raising awareness about the role compassionate in-home care can play in improving the quality of life for those affected by the disease. According to the 2024 Alzheimers Disease Facts and Figures report, nearly 12 million Americans provide unpaid care for people with Alzheimers and other dementias. These caregivers often experience high levels of emotional, physical and financial stress. Seniors Helping Seniors in-home care offers relief through peer-based, non-medical services designed to help seniors remain safely and comfortably in their homes while easing the responsibilities placed on caregivers. Our mission is to provide support, dignity and companionship to seniors including those facing memory challenges, said C.J. Girod, President of Seniors Helping Seniors Southwestern PA. By matching seniors who need care with active, compassionate older adults, we create a connection that enhances quality of life for both the caregiver and the care recipient. Seniors Helping Seniors in-home care provides flexible support with tasks such as meal preparation, transportation, medication reminders, light housekeeping and, perhaps most importantly, companionship a service that can be especially meaningful for those navigating memory loss. With new treatments for Alzheimers emerging and awareness on the rise, we believe its vital to offer families the support they need to navigate this journey, said Namrata Yocom-Jan, president of Seniors Helping Seniors in-home care. We are proud to be part of the care solution, providing personalized, respectful services that promote dignity and connection. ABOUT SENIORS HELPING SENIORS: Seniors Helping Seniors franchise system was founded by husband-and-wife duo Kiran and Philip Yocom. Kiran, who grew up in India, later worked to advance humanitarian efforts alongside Mother Teresa. After moving to the U.S. in 1995 and marrying her husband Philip, the Yocoms felt called to provide loving care to seniors and to cultivate an exchange of gifts at every generational level. Together, the Yocoms founded Seniors Helping Seniors in-home services in 1998, opening the brand up to franchising in 2006. With a mission to be the most respected and rewarding home care provider in the U.S., Seniors Helping Seniors locations stand apart from competitors as the only company that prioritizes hiring active seniors to provide care services to their less-active counterparts. Seniors Helping Seniors service aligns caregivers and care recipients based on the abilities and needs of both by offering a wide range of care services. Seniors Helping Seniors network has grown to 400 territories nationwide and over 200 franchise partners in 37 states. For more information on Seniors Helping Seniors in-home care, visit https://seniorshelpingseniors.com/.
Dont Wait: Why End-of-Life Conversations Cant Be Put Off According to an article by Johns Hopkins Medicine, two-thirds of Americans dont have a living will or advance directive. Planning ahead can help reduce stress and uncertainty for both seniors and their loved ones. A lot of people dont know what an advance directive is, says Lectoria Byron, a social worker with our Mobile, Alabama program. So, its giving them that knowledgeinforming them of exactly what it is and how it can help them. That eases a lot of anxiety. We sat down with Lectoria and Registered Nurse & Case Manager Amanda Albright to find out why these decisions matter and how the PACE care model fosters them. What is an advance directive and why does it matter? An advance directive is a legal document that explains what kind of medical care you want if you cant speak for yourself. It usually has two main parts: A living will, which says what treatments you do or dont want.A durable power of attorney for healthcare, which names someone you trust to make medical choices for you. Imagine for yourself, Amanda says. Someone you love deeply is in crisis because somethings happened to youand they cant find your funeral plans, your bank statements, or your healthcare wishes. They wont have time to grieve because theyre forced to focus on the paperwork and decisions that could have already been made. How does PACE help with these difficult conversations? Both Lectoria and Amanda emphasized education and pre-planning as the biggest ways their team offers support. Lectoria and the other care team members talk about advance directives during check-ins that happen twice a year. We break it up into manageable steps so its not overwhelming, Lectoria says. In Alabama, we have a basic form that requires two signatures and two witnesses, and we help guide participants through it. If a participant requires legal guardianship or their request involves filing documentation in court, we help connect them with resources like free legal aid, Lectoria adds. She said the best way to approach the conversation is to keep it simple. When you dont work directly with death or dying, its hard to know how to begin, Lectoria explains. But it doesnt take special training. You start by asking: Do you know what an advance directive is? A living will? A power of attorney? Then we offer information and ask: What are your wishes? PACE also provides brochures and other educational materials to help participants review their options in their own time. Checking in every six months ensures these decisions remain a priority. What is the advantage of a participant having their PACE team facilitate the conversation? The PACE team consists of a primary care physician, skilled nurse, social worker, physical therapist, recreation therapist, occupational therapist, and a chaplain. Amanda explains, The team approach keeps any one staff member from carrying all the emotional weight. And the participant hears a consistent message from different perspectiveseach member offering their own short summary or advice. That consistency builds trust and understanding. It gives a lot of credibility, Amanda says. PACEs structure also allows for something rare in modern healthcare: time. Were not seeing 16 patients an hour, Amanda says. We have the privilege to slow down and help people understand. That makes all the difference. Planning ahead for your care isnt just about filling out formsits about showing love, respect, and helping everyone feel more at peace. At PACE, were here to support you and your family through every part of aging, even the tough conversations. To find out more about Mercy LIFE and their innovative care program for Seniors, contact them at 251-287-8427.
Caring for an aging loved one is both an act of love and a daily challenge. While many families strive to keep their senior family members at home, the demands of caregiving can be overwhelming. Thats where adult day programs come in. These structured programs offer safe, engaging environments for seniors during the day while giving family caregivers a much-needed break.In this blog, well explore what adult day programs are, how they benefit both seniors and caregivers, and how to find the right one for your loved ones needs.What Are Adult Day Programs?Adult day programs are community-based services that provide supervised care and social activities for older adults during daytime hours. These programs typically operate Monday through Friday and may be held in senior centers, healthcare facilities, or standalone locations.The focus is on promoting social interaction, supporting physical and mental health, and allowing seniors to enjoy a routine while still living at home. Services can include meals, transportation, exercise sessions, health monitoring, memory care activities, and more.Benefits for SeniorsAdult day programs can greatly enhance a seniors quality of life. They offer structure and stimulation, which are especially valuable for seniors who may otherwise feel isolated or experience cognitive decline. Daily interaction with peers and staff can help reduce feelings of loneliness and depression, keeping seniors more emotionally balanced and mentally alert.Many adult day programs also offer specialized memory care services tailored to individuals with Alzheimers or other forms of dementia. This structured setting supports brain health and provides therapeutic activities designed to slow cognitive decline.For seniors with mobility challenges or chronic health issues, these programs often include basic medical supervision, therapy, and assistance with daily living tasks. Participation encourages independence, provides a sense of purpose, and promotes emotional well-being.Benefits for CaregiversFamily caregivers, especially those caring for loved ones full-time, often face physical exhaustion, emotional stress, and social isolation. Adult day programs provide them with valuable time to rest, attend to personal responsibilities, or even return to work part-timewithout worrying about their loved ones safety or well-being.Knowing that your senior is in good hands gives peace of mind. Many caregivers report reduced stress levels, better mental health, and improved relationships with their loved ones once adult day care becomes part of their care routine.Affordable and Flexible CareOne of the most appealing aspects of adult day programs is affordability. Compared to in-home care or residential facilities, adult day care is often a more cost-effective option. Families can choose how many days a week their loved one attends, allowing for flexibility based on personal schedules and budget.Adult day programs also serve as a transitional step. For families not yet ready to consider assisted living or skilled nursing care, day programs provide a supportive bridge that helps prolong independence and maintain family unity.Choosing the Right Adult Day ProgramNot all adult day programs are the same. Some focus on medical care, others on social enrichment or memory support. When selecting a program, consider your loved ones physical needs, cognitive abilities, personality, and interests. Here are some key questions to ask:What services are included in the daily schedule?Is transportation available?What kind of staff training and experience do caregivers have?How are emergencies handled?Are meals and snacks providedand can dietary needs be accommodated?Are activities culturally and age-appropriate?Visiting the facility, speaking with staff, and reading reviews can help you feel confident in your decision.Support from Seniors Blue BookAt Seniors Blue Book, we make it easy to explore your local options. Our free directory connects you with reputable adult day programs, senior housing, home health care, and a wide range of elder-focused services. Whether youre just beginning to explore care options or need immediate solutions, were here to guide you every step of the way.Our website also offers helpful articles and educational resources for both seniors and caregivers, so you can make informed choices that reflect your familys needs and values.ConclusionAdult day programs offer a win-win solution: seniors benefit from social connection and structured care, while caregivers get the relief, they need to maintain their own health and well-being. Its not just about managing careits about enhancing life for everyone involved.At Seniors Blue Book, we believe that access to trusted, local resources should be easy and empowering. Thats why our listings are always free, and our mission is to help you find what you need, when you need it most.Ready to explore adult day programs or other senior care services in your area? Contact us at hello@seniorsbluebook.com or call 800-201-9989 for a free consultation and care assessment. Let us help you find the right fit, provide personalized recommendations, and offer tips you can start using today. Together, we can make caregiving more manageable and aging more fulfilling.
Are you looking for reliable insurance coverage for your home, business, or auto needs? Look no further than Laurel Flowers, your local State Farm Agent with a stellar 5-star rating! As a hometown resident of Saraland, AL I am proud to serve the Mobile, AL area including Saraland, Satsuma, Chickasaw, Semmes, Bay Minette, and even the Eastern Shore area. However, our customers expand all over the Alabama area and in to Mississippi. I am a graduate of Satsuma High School and went on to earn undergraduate degrees in Mathematics and Business Finance as well as a Masters in Business Administration from the University of Mobile. I've been in the insurance industry since 2008 where I got my start working in a small agency in Daphne, AL. From then on it was my dream to one day open my own agency. After years of saving and learning the business I was able to open Laurel Flowers State Farm in the heart of my hometown Saraland, AL. Since then we've grown to a team of 7 licensed insurance professionals that care about this community!Our agency strives to do things differently. It is my job not only to have a relationship with our customers and provide excellent customer service but to create value for them by helping create a personalized plan to protect their income and assets and help them achieve their goals. We can help with car insurance, homeowners insurance, renters insurance, life insurance, accident insurance, and small business insurance as well as boat insurance, atv insurance, trailer insurance, and other recreational insurance policies.Laurel Flowers and her team are dedicated to providing top-notch service and personalized insurance solutions that fit your unique needs. With years of experience and a commitment to excellence, Laurel has earned the trust and admiration of countless satisfied clients. Whether you're protecting your home, securing your business, or ensuring your vehicle is covered, Laurel Flowers is here to help.Why choose Laurel Flowers State Farm Agency?5-Star Ratings: Exceptional service has earned her a 5-star rating from clients who appreciate her dedication and expertise. Personalized Solutions: Laurel and her team will take the time to understand your specific needs and tailors insurance plans that provide the best coverage for you. Local Expertise: As a local agent, they know the community and can offer insights and advice that are relevant to your area. Comprehensive Coverage: From home and business insurance to auto coverage, Laurel Flowers State Farm Agency has you covered with a wide range of options.Don't settle for less when it comes to your insurance needs. Choose Laurel Flowers, the State Farm Agent with a proven track record of excellence. Contact Laurel today to get started on securing your future with the best insurance coverage available.Give my office a call today at 251-675-4736 and talk to one of our exceptional team members about your insurance.