How would you determine the value of your personal possessions if disaster strikes? The losses of the recent storms in the Miami Valley is estimated to reach $900 million to $1.1 billion. Of those affected, the National Institute of Insurance Commissioners estimates that greater than 60% will not have adequate inventory of their personal belongings and many will be under insured. All homeowners should conduct an annual home inventory.\u00a0 An easy way to get started is by taking photos of each room and the contents of cabinets and closets. In addition, creating an inventory checklist of your personal property can assist in determining quickly what is missing or destroyed. Save your pictures and inventory to a digital cloud service so it won’t be lost if\u00a0tragedy strikes. Another important step in protecting your family is having\u00a0your insurance agent perform an\u00a0annual protection review to ensure your policy is\u00a0adequately covering\u00a0you and your property.<\/p>\n