Burglary Insurance Claims

Millions of home burglaries occur each year, and it is vital that you are prepared to file an accurate and thorough insurance claim if it happens to you. While everyone hopes that they will never have to face this inconvenient and upsetting situation, you should always be prepared. Even the toughest safes cannot promise 100% protection from a burglar. In order to alleviate the stress of such an event, prepare now by studying up on your home insurance policy and determining exactly what you would need to provide when filing the claim.

Create a Home-Inventory List

One free weekend afternoon, sit down and compile a list of all your valuables (from televisions to priceless heirlooms), and then take the time to go through the house and photograph each item on the list. Photographing these items will be evidence of their value and prove to the police and insurance claim adjuster that you have not altered the brands or attempted to file insurance fraud. This home – inventory list should be saved on a computer drive or stored in a security box outside the home so that it will be easily accessible to you (and not the robber).

Read Your Insurance Policy

Once you’ve created your home-inventory list, take a few minutes to thoroughly read through your insurance policy. Understand the terms and limits of your coverage. One important factor is whether your personal property losses will be based on replacement cost or actual cash value. When you have cash value, depreciation is a factor and you will receive less back than replacement cost, which will provide you with the same item that you had before.

Final Word

Just having the insurance coverage is not enough to protect you in the event of a burglary — you need to put in the effort now to be prepared for the insurance evaluation and all that will be asked of you in the event of a burglary. To protect your items and keep them locked up and as secure as possible, call Sure-Fit Security today at 301-585-4595, and trust hardworking professionals to protect your home.

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