What To Do In The Event Of A Theft

1. What To Do In The Event Of A Theft? Insurance is meant to cover you when calamity strikes. Unfortunately, this doesn’t always happen. A Theft Loss Insurance Claim can leave you feeling lost, stressed, and unsure of how to proceed with your insurance company. Luckily, a dedicated public adjuster can help simplify the process with their expert knowledge of the law and experience with filing claims. A public adjuster is an individual who analyzes the loss of property and/or vandalism damage to your home, and helps you understand the entitlements of your policy. Taking a burglary and/or theft loss claim is stressful. Here are a few guidelines that may help you recover faster, and get you back to your life sooner: Immediately after the incident, don’t touch anything in the home. Thieves frequently leave fingerprints on items they’ve stolen and by touching them you can further contaminate any possible evidence. If something has been stolen, make a list of things that have been taken so that it can be given to the police officer when they arrive. The list should include an itemized description of the items stolen, including their value (if known). When it comes to protecting your valuables, knowing what to expect and having a plan in place is important. First, it’s important to know and document what you own. Save your receipts and record your purchases. This will make it easier to prove the value and your ownership of your possessions. Take inventory of your personal property, grouping items by category and documenting all items under your personal property insurance. Take pictures of your items for your inventory to document the value and quality of each item. When your car is stolen, it's a nightmare. You have to worry about the safety of your vehicle and belongings, as well as the financial burden of replacing them. But what if you're a homeowner? You might think that your homeowners' insurance policy would cover the cost of theft or vandalism involving your car, but that isn't true. Homeowners' insurance policies don't cover vehicles that are stolen from your property. Instead, theft or vandalism of your vehicle would fall under the umbrella of your auto insurance policy. If you're dealing with a loss of property in addition to a stolen vehicle, we recommend contacting a public adjuster. Our team has managed hundreds of claims and we can help you coordinate between different insurance policies to ensure full compensation. If you experience a burglary or theft, be sure to document and report the damage or loss immediately—even if it seems unlikely that anything can be recovered or if the culprit can be caught. Reporting the burglary to the police and filing a police report will help you with your Theft Loss Insurance Claim; this initial report will likely be the first thing your insurance provider looks at when evaluating your claim. Please call your insurance company to report a theft or loss as soon as possible. Your report should include the following information: where the property was purchased, when the property was purchased, what the item cost, the brand and model of your item. Be as specific as possible. Send your claims adjuster photos of the stolen or damaged items and be sure to keep any damaged property in case your adjuster needs to review it to complete your claim. It is crucial to cooperate with your insurance company during the investigation and/or inspection.