Steps to claim a theft in your home insurance

Three necessary steps to claim a theft in your home insurance. One of the most unpleasant experiences is returning home after a weekend trip with the family and finding that a burglar has broken a window and stolen your belongings. What to do?
The first step, before touching anything, is to call the police to file a report and obtain a copy of the theft report. Keep in mind that if you are going to make an insurance claim, the company will require this document.
With the police report in hand, you should call the insurance company. The insurer will explain whether the theft is covered by your policy and provide you with all the information you need and clarify all your doubts: how to justify structural damage to the property, the amount of the theft, the time it will take to process, etc.
The insurance company will send you a claim form where you must include all the information related to the incident, this time accompanied by images of the damages suffered.
Keep in mind that, by law, claims must be made within a time limit after the client contacts the insurance company. It is important to avoid delays.
Those who have an inventory of their belongings will find it easier to justify the losses or damages suffered during the theft.
If the intruder broke a window to gain access to your home, you must take the necessary measures to prevent new damages from occurring as a result of the breakage, such as rainwater entering the house. If necessary, you should securely close the window while the insurance inspector assesses the damages.
Once the claim is approved, you will receive compensation according to your homeowner’s insurance policy. Keep in mind that you will be responsible for paying the deductible, and only then will the company make the corresponding payment.
If you are interested in an affordable home insurance, call Univista Insurance. Three necessary steps to claim a theft in your home insurance.

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