So your home has been robbed, now what do you do? Your mind is likely racing, and the last thing you’re thinking about is contacting the insurance company. With that being said, we just have to say this: calm down. You’re probably feeling a bit numb and that’s perfectly understandable; this is an extremely traumatic event! At some point you’ll need to get a North Miami public adjuster involved, but there are a few things that you should be doing first – starting with a police report.
Before the North Miami Public Adjuster, file a Police Report
The first thing that you need to do upon discovering the robbery is call the police, there is no question. If possible, do so from outside your home, just in case there is someone still inside. Once you make the report it will be on record, which is necessary for your insurance claim and will be used by public adjustors in North Miami to determine the payout that you would receive.
Make sure that you don’t touch anything in the home before the police arrive as doing so could contaminate evidence and cause a problem with the investigation – you don’t want that. When they do arrive, however, you need to make a full list of all items that are missing, along with an approximate value for each of those items. This list will need to be copied and sent off to your insurance company.
Call United Claims Specialists
Your first thought is probably going to be to call your insurance company but let’s be honest: how much do you like being at the mercy of your insurance company? Their word is law in many of these cases, but what if it wasn’t? What if you could get a third party to investigate the damage and make a detailed report that could be presented to your provider? The goal of your insurance company is to save money; our goal is to make sure you get what’s coming to you. Give us a call first, and we’ll use every tool at our disposal to make sure they give you your due.
Contact your Insurance Company
You need to contact your insurance company right away as when you file a claim, you have a chance of recouping your losses. Once you contact them, they will usually send the information over to a claims adjustor who will investigate in person. If you can, at this point you will most likely want to find somewhere else to stay so that you do not contaminate the scene and the adjustor can get a better picture of what happened.
Now that it’s all said and done, you need to start putting your life back together. After the adjustor has finished and after the police report has been filed, it’s time to move back in and reclaim your life. It can be difficult to come to terms with the situation, but you can start by cleaning up anything that’s been broken, and you can start to repair your home if it was damaged in the incident. If you have any broken windows, be sure to board them up until you can have them repaired. Remember, the sooner you get your home in order, the sooner you can move on with your life.
The last thing we want to say, sit hat after a break in, you should take measures to safeguard your home. Oftentimes, these incidents occur because homes are not guarded or protected – imagine how often this scenario could be prevented if you installed a security system! Also keep in mind that burglars will generally avoid a home if it is hard to break into – it’s usually not worth the trouble.
So, with that in mind, make sure that your home has high quality locks, an alarm system, and most importantly, try to leave some lights on when you’re not home. That last one might seem light a small gesture, but it really does go a long way. In the end, it’s all about making your home a difficult target, and once you do, you can feel much more secure.