At Insurance Claim Solutions, we understand that dealing with insurance claims can often be a daunting process. That’s where we step in as Dublin’s leading loss assessor, offering you comprehensive support and guidance at every stage of your claim.
Burglary is often committed by someone local to your area, who saw you leave a window open, and knows it takes 25 minutes for you to take your children to school and get home again. This is all it takes for the thief to get in take cash, jewellery, phones and electronic goods. Sometimes your home will be vandalised in the processed as well.
Having your home burgled or maliciously damaged can be very distressing, not only because of the loss of your possessions and damage to your property, but also for the awful feeling that someone uninvited had been through your things.
Unfortunately insurance provides only for the actual loss or damage caused, not for the emotional upset. Insurance Claim Solutions can minimise the impact of a burglary or malicious damage by helping you deal with the insurers and making sure that your claim gets settled as quickly as possible so you can put this awful experience behind.
If you arrive home and you have been burgled, call the Gardai and don’t touch anything. If you intend to make Burglary or Malicious Damage insurance claim, you will need a crime reference number.
Take photographs of any broken doors or windows and the rooms that have been burgled. Make a list of everything that is missing and preferably back your list with receipts or photographs of the missing goods.
If you are unsure what to do next, or simply don’t have the time or energy to deal with the Burglary or Malicious Damage Claim, then call Insurance Claim Solutions. We can take care of the entire claim process from beginning to end, and you only pay us after you get your compensation.
Burglary damage claims are among the most multifaceted insurance claims that property owners encounter, involving both theft and property damage components that must be carefully documented and valued. Unlike other types of property damage, burglary incidents create unique challenges including evidence preservation for criminal investigations, security vulnerabilities that require immediate attention, and the complex task of documenting and valuing stolen items that may never be recovered.
When burglary occurs at your property, the visible damage to doors, windows, and entry points is often just the beginning of your insurance claim. Burglars frequently cause extensive additional damage while searching for valuables, including damaged walls, floors, furniture, and personal belongings. The psychological impact and need for enhanced security measures add another layer of complexity to these claims that requires experienced professional guidance.
Understanding what constitutes burglary damage under your home insurance policy is essential for maximizing your insurance claim payout. Many policyholders are unaware of the full range of coverage available for burglary-related losses, including both theft and damage components. Our experienced public loss assessor team helps identify and document all forms of burglary damage to ensure comprehensive claim coverage.
Our insurance loss assessor team helps identify and document various categories of burglary damage that property owners commonly overlook:
Forced Entry Damage: This includes damage to doors, windows, locks, frames, and security systems caused by burglars gaining entry to your property. Entry damage often extends beyond the immediate point of break-in to include damage to surrounding walls, trim, and structural elements.
Search and Ransacking Damage: Burglars often cause extensive damage while searching for valuables, including overturned furniture, damaged walls from removed artwork, broken cabinets, and destroyed personal belongings. This damage can be more extensive and costly than the initial entry damage.
Stolen Personal Property: Documentation and valuation of stolen items requires careful attention to detail, including electronics, jewelry, artwork, antiques, and other valuables. Proper documentation includes purchase receipts, appraisals, photographs, and detailed descriptions of stolen items.
Vandalism and Malicious Damage: Some burglary incidents involve intentional vandalism or destruction beyond what’s necessary for theft, including graffiti, broken fixtures, damaged plumbing, or deliberate destruction of property that cannot be stolen.
Security System Damage: Burglars often damage or destroy security systems, cameras, alarms, and monitoring equipment to avoid detection. This specialized equipment requires professional assessment and replacement with current security technology.
Business Equipment and Inventory: Commercial burglary claims often involve stolen computers, cash registers, inventory, and specialized business equipment. Documentation of business property requires detailed records and professional valuation.
Safe and Lock Damage: Attempts to access safes, filing cabinets, and secure storage areas often result in significant damage that requires specialized repair or replacement by qualified security professionals.
Vehicle Damage: Burglary incidents involving garages or carports may include vehicle damage or theft, requiring coordination with auto insurance policies and careful documentation of vehicle-related losses.
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Don’t let the stress of dealing with insurers and repair contractors overwhelm you. Contact us today, and let us handle your insurance claim while you focus on your recovery.
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