Few crimes are more personal and have a lingering effect on victims than theft. When your home has been robbed and ransacked, it can be a terrifying experience. Many victims often feel violated and powerless. Unfortunately, theft is one of the most common crimes committed in Miami. Although many of your personal items can never be replaced, most homeowner’s insurance policies cover theft. However, unlike pipe leaks and water damage, home theft can never be predicted. This can make recovering a settlement to cover your lost items a challenge. Here are some tips on how to get the maximum compensation for your theft claim.
Most people throw out receipts after purchasing an item. After all, nobody expects someone to break into your house and steal your microwave oven. But it happens. When these situations happen, it can be a tremendous help. The more information you have, the better your chances for getting the appropriate settlement to cover for your losses. If you do not have receipts, your insurance company may accept canceled checks, owner’s manual, product warranties or credit card receipts.
Create a Complete Inventory
It can be time-consuming. But creating an inventory of all your stolen items is extremely helpful. Although every stolen possession has value, some are more important than others. Make sure you have a complete checklist of items that are covered under your Coverage C insurance including:
- Jewelry, collectibles, art and other high-priced valuables
- Computers, tablets, television sets, gaming system and any type of electronics
- Firearms, knives and any types of weapons
- Oven, range, refrigerator and other appliances
- Seasonal holiday decorations, sporting goods
File a Police Report
It is important to notify the police as soon as you discover the house has been robbed. Many insurance companies will deny a claim if there is no police report. When submitting your list of stolen items to the police, make sure to include as much detail as possible. For example, list the name of the item, model and serial number if possible. The more information included, the easier to process the claim and to receive the full value of the stolen item.
Call Your Insurance Company
Call your insurance company after filing a police report. Submit the police report to the insurance agent. Make sure to include as much information as possible about each stolen item. Also take the time to review your homeowner’s insurance policy to make sure which stolen items are covered. Fill out the claim form thoroughly. Any omissions can result in a lower settlement.
Has Your Theft Claim Been Denied or Underpaid?
Every homeowner depends on their insurance company to provide the right compensation to cover damages, repairs along with lost and stolen valuable items. However, if your claim has been underpaid or denied, it can place you in a difficult position. Miami insurance claims lawyer Jonathan Korin understands the challenges facing clients. He utilizes an aggressive and comprehensive approach to help them resolve disputes with their insurance companies before going to court. However, if the insurance company does not cooperate, he is prepared to fight for the rights of clients. To learn more, the legal professionals at Korin Law, P.A. and schedule a consultation to discuss your case.