How to report a burglary to an insurer

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How to report a burglary to an insurer

If you have suffered a burglary to your home, follow this guide when contacting your insurer:

  1. Contact your insurance companies claim line, tell them the following:
  2. Date and time of the incident and what type of incident.
  3. Advise them you have called the Police, give the insurer the crime reference number (if you have it).
  4. If you need to make your property safe (i.e. replace locks/front door/windows etc.), confirm that you can call out a contractor and that the insurer will cover the cost.
  5. Advise whether you are happy to use one of their recommended contractors or whether you want to use your own.
  6. If the property is not in a liveable condition, you need to confirm that to the insurer so that they can help you secure alternative accommodation immediately.

You will need to have the following handy:

  • All receipts in relation to the claim (including receipts for emergency works you may have carried out).
  • Receipts of property damaged or missing possibly including serial numbers.

If your insurer accepts the claim:

  • Once the emergency has been dealt with, they may send a surveyor/loss adjuster to your property to assess the claim. The surveyor may ask you to sign a report.  Do not sign it, you are not legally obliged to sign anything!
  • The insurer may again recommend one of their contractors to start remedial work. You have the right to choose your own.
  • Do not tackle any works until you have been given the go ahead by the insurer or they may not payout.

If your insurer rejects the claim:

Write a letter of complaint setting out the following (write it in a story form):

Dear Sir/Madam,

On [day] [month] 201[ ] I contacted your company to advise of an incident in relation to a burglary to my property.

You rejected my claim.  I feel that this was unfairly rejected because [fill out why you believe your claim should be upheld.]

When you suffer a burglary in your home you may not be covered under these conditions:

  • You left a window or door open and/or unlocked.
  • If you have a burglar alarm and you did not activate it.
  • If there is no evidence of forced entry.
  • You did not state the correct type of locks your property has when filling out an application form for insurance.
  • You did not report the incident to the Police.
  • You did not secure valuables in your outside space.
  • If you left your home unoccupied for a long period of time.
  • If you use your home as a place of work and did not divulge it to your insurer.