Theft

Theft can occur at any time and is often accompanied by vandalism. When a theft incident occurs, the first step is to contact local authorities so the incident is properly documented. The second call should be to your Public Adjuster, who will assist with the accurate preparation and handling of your insurance claim.

Insurance policies may contain coverage limitations on certain categories of personal property, such as jewelry, furs, monetary notes, and currency. A Public Adjuster will review your specific policy to determine whether these limitations apply following a theft loss.

In most cases, theft results in physical damage to the property. For example, forced entry may involve damage to doors, windows, or other structural components. This type of damage is typically covered and should be thoroughly documented by a professional Public Adjuster.

It is important to conduct a complete walkthrough of the property, including a review of any available video footage, to identify the full extent of the loss.

As part of the claim process:

  • Structural Estimates are prepared to document damage to the building caused by the incident. This may include doors, windows, flooring, and interior walls.
  • A Personal Property Inventory is created to account for items that are missing, stolen, or damaged as a result of the theft.

Proper documentation ensures the claim accurately reflects the total loss sustained.

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