You arrive home from your vacation or a night out, only to find your home was burglarized. Break-ins can be scary and emotional for everyone involved. It is important to have a plan in place should you have to deal with a break-in. Having a plan also improves your chances of catching the person who burglarized your home, and improves the chances of recovering or replacing items that were stolen.
Remember, a standard homeowner’s insurance or renters’ insurance policy will cover a break-in if you have the coverage. Homeowner’s insurance can cover the cost to replace your stolen items and any damage to your home.
Actions to take after a break-in
- Call the police. You will have to complete a police report with details of what was stolen and any damage to your home.
- Take pictures of any damage to your home.
- Call your insurance agent. Your agent can help you with many of the questions you may have and help start the claim process.
- You will need to fix or repair any damage to you home, that if left alone, could cause further damage. For example, if your windows are broken, you will want to start temporary repairs until the claims adjuster arrives. It is ok to clean up any damage, but take pictures and document everything.
- Work with the claim adjuster as they are on your side. They will work to settle the claim per the terms of the homeowner’s insurance policy.
- Install a security system.
- Always keeps doors and windows locked, even second floor windows.
- Consider outside lighting that is on a timer.
- Place motion sensor lighting around the outside of your home and property.
- Complete a home inventory to make sure you have accounted for all your personal property.