Burglary can leave homeowners feeling vulnerable, afraid, and violated. Your home should be your sanctuary, the place you feel most relaxed and at ease. A burglary takes away that feeling of ease and leaves individuals feeling as if nowhere is safe. After a burglary occurs, however, you can get back on track and it takes investing in the right protection before burglars ever spot your home.
Homeowner's insurance is well known to protect against fire, natural disasters, and liability. Many know that it’s homeowners insurance that will help you to rebuild after a catastrophe has occurred, or protect your family in the event someone is injured on your property. However, what many don’t realize is that homeowner's insurance also protects in the event of a burglary. When burglars strike your home, homeowners insurance helps you to get the value of your possessions back, so you can get your life back on track.
How To File A Homeowners Insurance Claim After A Burglary
It’s natural to want to get the ball rolling on your homeowner’s insurance claim after you’ve been struck by a burglary. Filing a homeowners insurance claim is simple, and it takes following these steps:
- File a police report – The first thing you should do if you’ve found your home has been burglarized is filed a police report. It’s the first thing your insurance provider will request, and it’s simply a good idea to make sure authorities in your area are notified that burglars are striking homes within the region. The police will investigate your home, the burglary, and your missing items, and file an unbiased official report you’ll use to file your claim.
- Take an inventory of your items – You’ll want to take a thorough inventory of your missing items. Make sure to take inventory of what is missing, the value of these items, and any damages that may have been incurred in order for the burglars to break-in. Inventory can be taken with pen and paper or using software like an Excel spreadsheet. Take photographs of any damages, and take photographs of the scene in general as you found it.
- Call your insurance provider – After you’ve notified police and taken inventory, you’ll then want to call your insurance provider. Your insurance agent will be able to walk you through the rest of the claims process, ensuring that you can be compensated for your losses.
Keeping Yourself Safe
Home security, locking doors, and being vigilant are common ways homeowners keep themselves safe, and so is homeowner's insurance. With your homeowner’s insurance provider on your side, you have peace of mind that you are covered should the worst occur in any number of ways. If you’re looking for the right policy to cover your home and your family, you’re not alone. Call us at Panorama today to see how our homeowner’s insurance policies can protect you, your home, your belongings, and your family’s overall peace of mind with our homeowners' coverages.