How To Make An Insurance Claim After A Break In

Experiencing a break-in can be a traumatic experience, and the last thing you want to deal with is the hassle of making an insurance claim. However, it's important to take the necessary steps to ensure that you receive the compensation you're entitled to. Here's how to make an insurance claim after a break-in.

1. Contact the police

The first thing you should do after discovering a break-in is to contact the police. They will come to your property, assess the situation, and make a report. This report is crucial for your insurance claim, as it provides evidence of the break-in.

2. Contact your insurance company

After contacting the police, the next step is to contact your insurance company. You should do this as soon as possible, as there may be time limits for making a claim. Your insurance company will guide you through the claims process and let you know what information they need from you.

3. Document the damage

Before you start cleaning up or making any repairs, it's important to document the damage. Take photos and videos of the areas that were affected by the break-in. This will serve as evidence for your insurance claim.

4. Make a list of stolen items

If any items were stolen during the break-in, make a list of them. Include the item description, value, and any receipts or proof of purchase you have. This will help your insurance company determine the compensation you're entitled to.

5. Secure your property

After a break-in, your property may be vulnerable to further damage or theft. Take steps to secure your property, such as boarding up broken windows or doors, and installing security measures like alarms or cameras. This will prevent further damage and show your insurance company that you're taking steps to prevent future incidents.

6. Keep receipts for repairs

If you need to make any repairs to your property, keep all receipts and invoices. This will help your insurance company determine the compensation you're entitled to.

7. Be honest with your insurance company

When making an insurance claim, it's important to be honest with your insurance company. Don't exaggerate the damage or value of stolen items, as this can result in your claim being denied. Provide accurate information and cooperate with your insurance company throughout the claims process.

8. Follow up with your insurance company

After making an insurance claim, follow up with your insurance company regularly to check on the status of your claim. If you have any questions or concerns, don't hesitate to contact them.

By following these steps, you can make an insurance claim after a break-in with minimal hassle. Remember to stay calm and cooperate with your insurance company throughout the process.