How to File an Insurance Claim After a Burglary

The realization might hit as you enter the front door of your Arvada, CO home and find your house has been trashed. Or it might occur when you explore your bedroom and notice that all of your jewelry, cash, and valuables were taken. Whenever it occurs, figuring out that you have been a victim of a burglary is a startling, vulnerable sensation. All feelings aside, you probably want to get your house back to normal and replace your valuables. Here are the steps recommended from Alliance Insurance Services to get the ball rolling on filing your insurance claim.

Call the Police

Even if you’re sure the thieves are gone, you still should call the police. Your insurance company will require a police report to get started on your claim.

Call Your Insurance Company

Right after you’ve called the police, call the main number of your insurance company to get the claims process started. Have your policy number handy, and write down the instructions that you will receive.

Take Photos of the Damage and Mess

Many families want to immediately begin cleaning up the mess and setting things right. However, hold off on that until you’ve made detailed photos of the rifled desk drawers, damaged items, and other mess. If your agent wants to send an inspector, you may be instructed to wait until he has come by to take a look at everything.

Make a List of What Is Missing

If you have a home inventory, this step should be easy. If you don’t have one, do the best that you can to determine what is gone. If you have receipts for the items missing, getting your claim filed will go much more quickly. Use specifics when describing items, and if you can figure out serial numbers for electronics, weapons, and other items, it will help things move faster. Don’t forget to include broken windows, doors, or damaged locks when you file your claim. Your insurance company should pay for their repair.

Stay In Touch with the Insurance Company and Follow Their Instructions

Every time you talk to someone on the phone, write down the name of the person you’ve spoken to and ask how long you should wait before calling back. Keep a file or envelope with all of your correspondence, receipts, photos, and records handy. If something turns up that you thought was missing, call the insurance company and let them know. Being paid for an item that you have in your possession is considered insurance fraud.

If you need advice about your insurance needs, contact Alliance Insurance Services, serving the Arvada, CO area.