It may be too soon to tell what the insured losses will be from the devastating weather-related storms in 2012, but the thousands of homeowners and business owners affected by the storms might tell you that they wished they had created an inventory of their possessions.

According to the National Association of Insurance Commissioners (NAIC), more than half of Americans don't have a home inventory of their possessions, creating the possibility that they have inadequate home insurance coverage in case of a property claim.

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