Documentation: Your Claim's Foundation
Author: Funny Items
Release time: 2026-08-25 19:06:43
View number: 12
Document Before Disaster
Insurance claims succeed on paperwork. Build your documentation file before anything happens.
Your Documentation File
- Purchase receipts: every watch and major part order
- Serial numbers: photographed from caseback where present
- Full-face photos: front, side, caseback, clasp — dated
- Parts lists for builds: component sources prove build value
- Appraisals: for pieces above basic policy limits
Storage Rules
| Copy Type | Location |
|---|---|
| Digital scans/photos | Cloud storage — survives house events |
| Physical originals | Safe or bank box — never both copies in one place |
| Build logs | Same cloud folder as receipts |
Build logging habits in our long-term care guide; coverage basics in the insurance guide.
The 15-Minute Annual Audit
Once a year: photograph each watch, update values, confirm cloud sync works. Fifteen minutes that transforms any future claim from nightmare to formality.
Frequently Asked Questions
Do modded builds need appraisals?
Usually covered under standard personal property limits if documented — appraisal matters mainly above typical policy caps.