Documents that matter
| Document | Where it may hide | Why it matters |
|---|---|---|
| Deeds and vehicle titles | Files, desks, safes | Proof of ownership |
| Savings bonds / stock certificates | Books, envelopes, files | Potential financial value |
| Life insurance and pension records | Tax files, drawers | Benefits claims |
| DD-214 and cemetery deeds | Folders, boxes | Veteran and burial benefits |
Paper savings bonds
TreasuryDirect’s Treasury Hunt can help identify matured savings bonds. For lost or destroyed bonds, review FS Form 1048 and the current TreasuryDirect instructions before acting.
Insurance policies and unknown accounts
Use the NAIC Life Insurance Policy Locator and the Texas Comptroller’s unclaimed-property search. Research physical stock certificates through the issuer or transfer agent before disposing of them.
Where people hide cash
Search respectfully: drawers, opaque freezer containers, books, coat linings, curtain hems, vents and attic storage are places families sometimes overlook. Document anything found and involve the estate representative.
Things that look worthless and are not
Check jewelry and flatware markings, pre-1965 U.S. silver coins, dental gold, vintage hand tools, cast iron, cameras, fountain pens and mid-century furniture. Sterling is often marked 925, Sterling or 800; gold may be marked 10K, 14K or 18K. A magnet is only a rough screen, not an appraisal.
Free ways to check value
Review eBay sold listings and comparable results on LiveAuctioneers or Invaluable. Hire an ISA, ASA or AAA appraiser when a group of items may justify the cost or a tax valuation is required.
Firearms, devices and identity documents
Do not place firearms in general cleanout piles or transfer them across state lines without lawful process. Do not wipe phones, laptops or tablets until accounts, two-factor authentication and files are accounted for. Cross-cut shred records containing Social Security numbers.
A pre-cleanout checklist
- Photograph rooms and valuables.
- Search documents, bonds, insurance and account records.
- Check drawers, books, closets and attic storage.
- Set aside devices and firearms for lawful handling.
- Use
- the first-week guide
- and
- the cost guide
- when planning the next step.
Common questions
Where do old people hide money?
There is no universal place; search systematically and document findings.
Is old jewelry worth anything?
Some is, but markings and an appraisal matter more than appearance.
Should I shred old tax records?
Check with an attorney or CPA about retention first.