Before the Storm
We have been hit with a winter storm over the past 10 days in northern Nevada, Lake Tahoe and northern California. Heavy snow and long, hard rain have lead to flooding and avalanche danger. Last summer we had several wildfires near neighborhoods.
Your art and antiques can be insured against loss due to natural disaster when listed on a separate schedule on a rider with your homeowner's insurance policy. One young South Lake Tahoe woman who had inherited several family treasures obtained her insurance appraisal last summer before the storms hit.
You will have to declare the current value of each item listed on the rider. You should not guess at those values, since you may be over- or under-insuring the item. A professional appraisal can provide the appropriate value and help you get the items properly insured.