Inheriting assets from a loved one or a distant relative can be life-changing, but many people are unaware that they’ve been named as beneficiaries in a will. Sometimes, inheritances go unclaimed due to outdated records, lost communication, or complex legal processes. If you suspect that you might be entitled to an inheritance but haven’t been notified, here’s a step-by-step guide on how to check if someone left you an inheritance and how to claim what is rightfully yours.
1. Understanding How Inheritances Work
An inheritance is typically distributed according to a legally binding document called a will. If there is no will, the estate is divided based on the laws of intestacy, which vary by country or state. Executors or estate administrators handle the distribution process, but they might struggle to locate beneficiaries if contact details are outdated or unknown.
2. Signs That You Might Have an Unclaimed Inheritance
There are several indicators that you could be entitled to an inheritance:
- A family member or close friend passed away recently.
- You were close to someone who had significant assets.
- An attorney or executor tried to reach you but failed.
- You receive unexpected legal or financial notices.
If you have even a slight suspicion, it’s worth investigating further.
3. Steps to Check If Someone Left You an Inheritance
Step 1: Contact the Executor or Family Members
When someone passes away, the executor (appointed in the will) is responsible for managing and distributing the estate. If you suspect you might be named in a will, reach out to:
- Immediate family members
- The executor or administrator of the estate
- Family lawyers or financial advisors
They should be able to confirm whether your name appears in the will.
Step 2: Search Probate Court Records
Wills typically go through a probate process, a legal proceeding that ensures debts are paid and assets are distributed. Probate records are usually public, meaning you can:
- Visit the local probate court in the deceased’s last known residence.
- Search online databases for probate filings.
- Request a copy of the will if it has been filed with the court.
Most jurisdictions offer online probate records, making this process relatively easy.
Step 3: Check Unclaimed Property Databases
Sometimes, assets meant for beneficiaries go unclaimed due to miscommunication or lost records. You can search for unclaimed inheritances through:
- Government agencies handling unclaimed property.
- National registries or inheritance search services.
- Banks, insurance companies, or investment firms that may be holding funds in your name.
In South Africa, for example, you can check with the Master of the High Court for unclaimed estates.
Step 4: Consult an Estate Attorney
If you suspect foul play or believe an executor has withheld information, hiring an estate attorney can help. A legal professional can:
- Access records you may not be able to.
- Investigate whether you were omitted from a will unfairly.
- Assist with legal claims if necessary.
Step 5: Monitor Mail and Emails for Notifications
In some cases, institutions or attorneys notify beneficiaries via mail. If you receive letters from unknown law firms, do not ignore them—they may contain important estate information.
4. What Happens If There Is No Will?
If the deceased did not leave a will (died intestate), their estate is distributed based on local inheritance laws. Typically, the order of inheritance follows this pattern:
- Spouse and children
- Parents and siblings
- Extended family (cousins, uncles, aunts, etc.)
If no immediate relatives are found, the estate might be handed over to the government. If you believe you are a rightful heir, you may need to present evidence (such as birth certificates or family records) to claim your share.
5. How to Claim Your Inheritance
Once you confirm that you have an inheritance, the next steps involve claiming it legally:
- Provide Identification Documents – You’ll need a valid ID, birth certificate, or any relevant paperwork proving your connection to the deceased.
- Complete Legal Forms – Executors or legal representatives may require specific forms before processing the inheritance.
- Pay Any Necessary Taxes – In some countries, inheritance taxes apply, so check with tax authorities.
- Transfer Ownership of Assets – Whether it’s real estate, cash, or stocks, legal transfer documents will be needed.
It’s advisable to seek legal or financial advice to ensure a smooth process.
6. Avoiding Scams and Fraud
Unfortunately, inheritance scams are common. Here are a few red flags:
- Emails or calls claiming you inherited money from an unknown source.
- Requests for upfront payments to “release” your inheritance.
- Pressure to act quickly before verifying legitimacy.
- Suspicious legal firms that don’t provide proper documentation.
Always verify the source before providing personal or financial information. If in doubt, consult a lawyer.
Check also: Small Claims Court 101: Who Can Claim, How It Works, and What to Expect
Finding out you’ve been left an inheritance can be exciting, but it requires due diligence. If you suspect you’re a beneficiary, take proactive steps: contact family, check probate records, search unclaimed assets, and seek legal advice if needed.
By following these steps, you can ensure that any rightful inheritance reaches you without unnecessary delays or legal complications.
