How to report a burglary to an insurer
If you have suffered a burglary to your home, follow this guide when contacting your insurer:
- Contact your insurance companies claim line, tell them the following:
- Date and time of the incident and what type of incident.
- Advise them you have called the Police, give the insurer the crime reference number (if you have it).
- 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.
- Advise whether you are happy to use one of their recommended contractors or whether you want to use your own.
- 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):
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.