Home Checklist

Closing out the home immediately after a passing is imperative

Amidst the grief, there are immediate practical matters that need attention. Closing out a house and settling affairs after a person passes can be a daunting task. Many of these can be delegated. Here is a comprehensive list. Each situation will be different.

  1. Notify Authorities and Seek Legal Advice:

    • Begin by contacting the appropriate authorities to report the death, especially if it occurred at home. If the person was under hospice care or in a hospital, they will guide you through this process.

    • Consult with an attorney, especially if the deceased had a will or estate plan. Legal advice can help clarify the deceased's wishes and the legal obligations of the survivors.

  2. Secure the Property:

    • Ensure the property is secure, especially if it will be vacant for a period. This includes locking doors and windows, turning off utilities not in use, and considering property insurance.

    • Clear out the refrigerator and take out the trash. While this seems like a given, it can be unpleasant if left too long.

    • Address any pets living in the home even if for a short-term solution.

  3. Locate Important Documents:

    • Look for important documents such as a will, trust documents, deeds, insurance policies, financial statements, and tax returns. These will be crucial for settling affairs.

  4. Notify Financial Institutions:

    • Contact banks, investment firms, and credit card companies to inform them of the person's passing. Request information about closing or transferring accounts as needed. You will need the death certificate for this process.

  5. Contact the Social Security Administration:

    • If the deceased was receiving Social Security benefits, notify the SSA. Survivor benefits may be available to a surviving spouse or dependent children.

  6. Cancel or Transfer Utilities and Services:

    • Contact utility companies, cable providers, and other service providers to cancel or transfer services. Ensure that any outstanding bills are paid. The estate will have to pay for bills so the sooner, the better.

  7. Inventory and Appraise Assets:

    • Create a detailed inventory of the deceased's assets, including real estate, vehicles, jewelry, and personal belongings. Consider hiring a professional appraiser if necessary. Try to not allow artifacts to be distributed until the will is read.

  8. Handle Debts and Liabilities:

    • Identify and address any outstanding debts and liabilities. This may include mortgages, loans, and credit card debt. The estate will need to cover these debts.

  9. Probate and Estate Administration:

    • If necessary, go through the probate process. This involves validating the will and distributing assets according to the deceased's wishes. An attorney can guide you through this process.

  10. File Taxes:

    • File the deceased's final income tax return, and if applicable, the estate's income tax return. This includes reporting any income earned and paying any owed taxes.

  11. Notify Beneficiaries and Heirs:

    • Inform beneficiaries and heirs of the deceased's passing and keep them updated on the progress of the estate settlement.

  12. Distribute Assets:

    • After settling debts and taxes, distribute assets to beneficiaries as outlined in the will or estate plan.

  13. Finalize Real Estate Transactions:

    • If the deceased owned real estate, work with a real estate agent or attorney to sell or transfer the property as necessary.

  14. Organize Important Documents:

    • Store all important documents related to the estate in a safe and organized manner for future reference.