Saturday, January 3, 2009

What to do in Case of a Burglary

What to do next?

First, call the police; don't even straighten up; by doing so you may disturb evidence that makes it difficult or impossible to catch the people who did this. (Sadly, the catch and incarceration rates for home burglars aren't terribly high, but there's no reason to make them zero). Don't rush to the police station - stay home and call them without touching anything. They will want to take photos, make sure nobody was hurt, and take fingerprints.

Very important: At some point in the process, the officers are going to ask for a list of what has been stolen or destroyed. Be sure to give them a list, but make sure it's annotated that you are not certain that it is complete; in the chaos and trauma of burglary, you will overlook things, and you will be finding that things were missed on that original inventory for days or weeks.
He will make suggestions for replacing destroyed or stolen items; he will be looking for excuses to not pay you at all - perhaps you were under insured, didn't have the proscribed locks, or more. Before dealing with a loss adjuster, seriously consider getting an insurance claims consultant on your side. You will want someone who knows the ins and outs of insurance regulations looking over the report of what was stolen, what the initial claim was, and how to make things work in your favour.
If it costs more than £150, keep the receipt (preferably in a safety deposit box) and the serial number. This makes it more difficult to fence. If you have small items of valuables (collectibles, jewellery, antiques), take digital pictures, put hard copies in that safe deposit box and make sure the photos are date stamped.

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