Insuring property against break-ins is one of the main reasons homeowners
and renters alike
purchase insurance near Mountain View, CA. If you have been the victim of a burglary, you may be unsure of what
steps to take regarding insurance and the recovery or replacement of your
property. Understanding the main tasks you need to accomplish in this
time can make things much simpler.
Call the Police
First, call the police immediately. Almost all home and renters insurance companies
require that insured parties contact the authorities right after a break-in. This policy enables insurance companies to identify
your property if the thieves are caught. Provide your insurer with the
case number assigned to you by the police. Even if you don’t have
an exact list of what was stolen, try to provide your company with an
initial assessment. You should also report any damage to your property
at this time.
Make an Inventory
Next, make a list of all stolen items, including the brand name and when
you purchased them. Try to determine how much it will cost to replace
each item that was stored at your dwelling. Collect any documentation
you have to prove that you owned these items, including receipts, credit
card statements, or photos.
Talk to an Adjustor
Finally, your insurance company will send over an adjustor to get more
details. The adjustor will probably ask questions about the cost of certain
items, your income, and your debts. You should answer truthfully—the
insurance company is simply trying to spot fraud in the form of individuals
whose property value does not seem to match up with their income. Once
the adjustor is satisfied, your insurance company will cut you a check
to replace your stolen items.
Damberger's Insurance Agency is an experienced insurance agency with over 51 years of service to the
community. Whether you need to learn more about how to file a home insurance
claim or you are interested in homeowners or renters insurance, call us
today at (650) 419-8637. Our insurance team will make sure you are prepared
and covered for any disaster, including fires, floods, and break-ins.