While you prepare and get excited for these changes, don’t forget that a conversation with your insurance agent should also be a part of your preparation and transition as well. Here are 9 examples of life changes that warrant a conversation with your agent to make sure you're adequately covered.
Call the Police and Your Insurance Agent
As soon as you know about the burglary, immediately call the authorities and don’t touch a thing. Cleaning up the house before the police comes it would destroy all the evidence that they could find. By letting the authorities do their job, you have a better chance of catching the burglar and preventing your neighbors from experiencing the same ordeal.
In case you’re not inside the house and recognize there's been a break-in, don’t attempt to go in. The thief could still be inside and may do more harm to you and your property. Call the police immediately. Wait for them while staying inside your locked car while parked away from the house. You can also ask a neighbor to let you stay with them until the police arrive.
File a police report as soon as possible. It will help you validate the claims that you will request from your insurance provider. Some companies would send their adjuster to check the scene of the crime further. You have to stay in another place until they’re done looking around the house and the damages.
When the authorities are done getting fingerprints and taking the photos of the damages, you can start evaluating the damages to your home. Your hands might still be trembling, but it’s important that you assess the things that were damaged or stolen during this unfortunate incident.
Make a list of all the items that were damaged and stolen. Submit these and give copies to the authorities when filing a police report. Your insurance provider will need it as well. To make filing for claims easier, you can use your home photos and receipts to know how much the items are worth. It could be tough to do this while you’re feeling distressed. You can ask the help of another person who lives with you to help with listing the stolen items.
Doing so will allow you to assess the damages further. It can also be a big help in recovering from this ordeal. Remove all the appliances and furniture that were damaged and are no longer helpful. Restore your home and renovate parts of the house that were damaged quickly in order to get rid of your emotional stress.
Secure Your Home
You surely don’t want this to happen again. Changing your locks and installing security systems would help you ensure the safety of your property. There are screen doors that are shatter-proof and alarms that would directly call the police even when you’re gone. Installing a good security system can also reduce your home insurance premiums by as much as ten percent.
A self-defense class may also help you feel more secure and comfortable whether you’re at home or anywhere else.
Before it’s too late, make sure that you have signed up for comprehensive home insurance today. Here at the Wellcovered Insurance, we will help you know the coverage needed to protect your home in case of burglary or other emergency situations. Click here to get a quote from us or call us today at (561) 406-6153!