Theft and Vandalism

If you’ve had property stolen from you, or someone has deliberately vandalized your home, it can be frustrating and scary. After all, your home is your sanctuary and when someone invades it, it can take away that sense of security. Likewise, when someone burglarizes your business, it can cause a lot of problems, and in some instances, stop business activity altogether. Luckily, theft and vandalism is covered by most insurance policies, but to get a settlement that is fair, you’ll do well to call us and let us help you with your claim. At Second Opinion Claims Services, we work with homeowners and business owners in order to streamline the claims process and get the maximum amount of payout possible.

First Things First

If a thief has vandalized your home or business, or has taken property that belongs to you, the first thing you should do is call the police. That’s because the insurance company will rely heavily on the police report to substantiate your claim of loss. If there is no police report, you won’t be able to prove that the items were stolen.

Many people worry that they won’t discover everything that was taken in the beginning, and will have to accept a loss for those things they failed to miss. But you can file an updated police report as soon as you realize that additional items were stolen, and then inform the insurance agency of the report. Remember, it’s important that everything that was stolen is listed in the police report.

Gather Your Documentation

Your insurance company will want proof that you actually owned the items that you claim were stolen. You’ll need receipts, credit card bills or other documentation that shows you had possession of the stolen goods. This is one reason why some people keep photographs of their valuable items—that will suffice as documentation when filing a claim for theft.

Document the Damage

If vandalism has occurred, be sure to take plenty of photographs and videos. The more documentation you have of the damage, the easier it will be to get your insurance company to work fairly with you.

How We Can Help

The public adjusters at Second Opinion Claims Service have years of experience in helping homeowners and business owners collect on theft and vandalism claims. They can walk you through the process, and eliminate the stress that comes from dealing with insurance companies. In addition, we typically are able to get on average of 200 percent more in settlements for our clients because we’re experts at negotiation and policy review. Don’t let a thief or vandal ruin your home or business life. Call us and we’ll help you get your life back together.