Did an act of theft or vandalism actually occur?
If you suspect an act of vandalism or theft, the first thing you should do is contact the police. They will inspect your property to determine whether or not there was an actual crime and, if so, file a report. This is crucial, as your insurance company will use the police report to verify that theft or vandalism occurred. Once it is determined that an act of vandalism or theft has occurred, then you may proceed to contact a claims adjuster to file your claim.
How do I prove that I owned the property that was stolen or vandalized?
Receipts or other documentation, such as video, pictures, credit card statements, appraisals and insurance policy endorsements, serve as proof of ownership and help move along the claims process.
How will the value of an item be determined?
Insurance companies often seek property appraisals from companies that have the ability to reduce the estimated replacement price due to their buying power in the market. This reduces their liability – and the claim you are paid. However, our claims adjusters can help you get the claim to which you are entitled.
Will my insurance company pay for any related property damage that resulted from a break-in?
It is likely you will require home repairs as a result of a forced entry. Our claims adjusters will include any broken windows, doors or locks in your insurance claim.