Theft Insurance Claims
As the clocks go back for daylight saving, the darker evenings will mean a sharp increase in burglaries and theft related crime. A major Insurer has reported that last year Theft Insurance claims notified to them at this time of year saw an increase of over a third.
Burglars take advantage of the darkness and violent or forcible entry is an unfortunate consequence of circumstances due to the change in time. Over a quarter of these burglaries are opportunistic and mainly on a Thursday or Friday. Statistics or not, if your home is vulnerable it becomes an easy target.
If you have an alarm, CCTV, dogs, heavy doors and PIR lighting you are less likely to be targeted. You must check your home or business insurance policy as there may be stipulations on some of these being in place for them to accept a claim.
Always try to discuss renewal terms with you Insurer each year as the sums insured will most likely have gone up and this will need to be reflected in any policy you hold.
Should the worst occur, you would be wise to call an Insurance claims Management companyor loss assessor to assist. Theft damage is often as a result of break-in and this will form part of any claim as well as the actual items that are stolen.