A theft claim is something all people hope never to file. However, it doesn’t mean they don’t happen. In New York, theft is common, especially in areas where there are plenty of people. Homes and apartments aren’t an exception. The downside to theft, apart from valuables being taken, is that they can destroy a home to enter. Whether it’s a broken window, locks, or doors, theft can leave a property in shambles. That’s why it’s important to understand how theft claims work, and how a public adjuster in New York can provide assistance.
What Questions Will Insurers Ask a Public Adjuster in New York for Theft Claims?
There are a few questions that insurance companies commonly ask when a theft claim is filed. First, they’ll ask if there was, in fact, a break-in. Were the items stolen actually property of the policyholder? Is there any proof available? Are the items stolen of value? Were there any damages to the property upon entry? Most theft cases do better when there is a police report to validate the given information. Documentation is imperative, as it allows insurance companies to see the severity of the case. Some common forms of documentation include photos, videos, credit statements, appraisals, and more. With a public adjuster on your side, they can collect all of this information on your behalf. From there, they’ll submit the information directly to the insurance company.
Homeowners will also want to do their homework by reviewing their policy in detail. Sometimes there is fine print that excludes items above or below a certain price point. Every once in a while, policyholders are disappointed to find that their theft situation isn’t covered, and that all damages will have to be paid for out of pocket. For items that are valuable and expensive, it’s best to have a third-party appraisal. This appraisal will let the insurance company understand just how precious your artworks, jewelry, or figurines are to you.
At United Claims Specialists, we specialize in property damage claims and theft claims. We know that it’s scary when someone breaks into your home and steals items that are important to you. Sometimes, it’s more than the cost of the item that breaks your heart. Sometimes, it’s the sentimental value that can’t be replaced. While the professionals at United Claims Specialists might not be able to bring your valuables back, we can do our best to ensure that you’re compensated appropriately for your losses. If you’re looking for a public adjuster in New York, contact our team today at 855-321-5677. We’re here to help you when you need assistance the most. Focus on what matters most to you, while we work with your insurance company on your behalf. Why worry about more than you need to? With United Claims Specialists on your side, you have the upper hand!