One possibility that all homeowners fear is theft of their belongings, and it can happen to anyone at any time. Records show that there are roughly 2.5 million burglaries each year in the United States. About 66% of these are home break-ins. Studies have found that homes that do not have a security system in place are 300% more likely to be burglarized. You may be alarmed to know that the police solve about 13% of reported burglary cases only, others remain unsolved as witnesses or evidence cannot be found. As you see, the probability of recovering lost goods is low, so you must protect your home and belongings as well as possible.
Theft is a common crime and a huge cost to the victims. Elite residential areas do tend to be targeted because burglars assume that these residences contain jewelry, gadgets, antiques, artwork, and other desirable valuables that can easily be sold for a handsome price.
However, with a proper home insurance cover, you can secure your home and all the prized possessions it contains. A good homeowners’ insurance coverage can help you recover an amount that will enable you to replace stolen items. It may also help you cover repairs to property damages caused by a thief or burglar. Your home insurance usually covers your possessions and those of your immediate family members living with you. It is unlikely to include coverage for theft of items that belong to anyone staying with you temporarily. It is advisable for you to thoroughly check your home insurance policy when you are buying it, to ensure that specific items are covered. In the event of a theft, the last thing you would want is a loophole or technicality that deprives you of your claim.
In the unfortunate event of a burglary in your home, when you will be forced to deal with filing an insurance claim after the burglary of your home, you cannot always rely on your insurance company to give you the best possible settlement.
All insurance carriers have their own adjusters who will offer you a settlement that best suits them and not you. They tend to scale down the losses you incur. On the contrary, if you hire the services of an Experienced Public Adjuster, you can be sure to get the best possible settlement. You will have a team of licensed experts who already know the nitty-gritty of the business and will work hard by advocating for you and boosting your settlement. This will spare you the tedious process of dealing with the insurance company to make your claims.
For only a small percentage of your settlement, Experienced Public Adjusters’ representatives will meet with the insurance company’s adjusters, understand the fine print of your policy document, prepare the justification, estimate the damages, and finally negotiate a fair settlement for the value of your home and personal property content.
Call an Experienced Public Adjuster today to discuss the best way to process a claim for loss due to theft.