HELP!! I am a victim of a burglary! What to do now?

According to a survey of the national crime league, published in the Irish Examiner, each 19 minutes a burglary is committed in Ireland where the average value of goods stolen is 1,868 Euros. The Central Statistics Office indicates that there were a total of 28,706 burglaries or burglary-related offences in 2012 – an increase of 7.9 per cent on the previous year. These figures could be worrying for many homeowners, as a burglary can be costly, frightening and deeply upsetting.

We have prepared an emergency list of 10 steps to follow if you are a victim of burglary. They’ll help keep you and your family safe, while giving you the very best chance of making a successful insurance claim.

10-point burglary checklist:

  1. If you find that your home has been burgled, it’s important to call the Police straightaway.
  2. If you suspect that the burglar may still be inside your property, call the Police from a mobile or from a neighbour’s phone.
  3. Don’t start to clean up or move anything until the Police have had chance to inspect the scene, or you could be damaging vital evidence. They are likely to send specialist officers who will take a statement from you, as well as photographs and fingerprints.
  4. Ask for the reference number of the crime, you might need it later when filling in documentation .
  5. If your bank or credit cards have been taken, call their emergency number and have them stopped. These services are open 24 hours a day, 365 days a year, so don’t delay. If any important documents are missing, such as your passport, report that too.
  6. Contact an insurance Loss Assessor, like Clearys Loss Assessors. This is the best way of ensuring you receive a full and fair settlement from your insurers.
  7. As their first priority, your loss assessor will send out approved contractors and locksmiths to secure your property. They will board up any broken windows and replace any damaged locks. They are your friends and will help you deal with the stressful situation.
  8. Check your home for damage and start to make a list of items that are missing. If possible include model and serial numbers, as well as any purchase receipts you have. Give this list to your loss assessor, who will assist you in preparing an inventory of all lost and damaged items for presentation to your insurers.
  9. Your loss assessor will then contact your insurance company on your behalf, making them aware of the burglary and giving them your crime number and inventory. They will then act on your behalf throughout your burglary insurance claim.
  10. Once the Police have concluded their enquiries, it’s worth reviewing the security of your home. If you don’t already have them, fit locks to your windows and security bolts to your doors. You might also consider installing a burglar alarm.

 

Is home insurance necessary?

Its 2012 and as the days and months go by, more and more people are considering more ways in which they can cut down on their monthly outgoings. There is a high percentage of people in the country wrapped up in a financial quagmire and may are really finding it difficult to make ends meet. And they look at all expenditure, including home insurance.

Our advice is this: Make Sure Your Home Is Insured – Cut No Corners  and here’s why:

1. We have worked with thousands of clients in the past 25 years and have helped them recover from flood, fire, property damage as a result of burglary, subsistence claims and leaking pipe damage plus many more. In the vast majority of cases, we were able to help the client recover their loss by working with them and their insurance company. All these clients were insured.

2. The emotional and financial pressure experienced by clients in the face of an event is immense. Having insurance eases some of this pressure in the immediate aftermath and makes it all so much more bearable as time goes on and the recovery process starts.

3. If you are suffering financially right now, neglecting your insurance and subsequently suffering a loss with massively increase your pain and suffering. Its a gamble that you may be considering but no good gambler takes unnecessary risks.

Working with a loss assessor like Clearys will ensure that if you do suffer a loos, your claim will be managed professionally, promptly and with empathy at all times. Call us today to discuss your claim…

Recovering after a Burglary in your home

If you have suffered the trauma of a home burglary, you will have experienced the emotions of anger, fear, indignation, disgust and a sense of loss and invasion of privacy. It can take some time for the recovery to even start to begin. There are a few things that you can do. Not it may seem like you are locking the door after the horse has bolted, but why tempt fate and allow it to happen again. A quick return to normality is the best route to take, blended with taking some preventative measures.

In the immediate aftermath of the burglary, you will need to prepare a loss and damages report. Clearys Loss Assessors will complete this work for you in a thorough and professional manner, taking the headache of your insurance claim away and expediting your claim through the system as quickly as possible.

You may already have printed photos of your belongings, or receits for their purchase, or evidence of you using the items such as jewellery. Please make these available. Create a list of all items stolen and be as descriptive as you can. Your home and contents will cover you for replacement of same items. Clearys will assist you through this porcess.

Carry out a full security audit of your home ensuring all windows have locks and are locked. Do the same with doors. If you have a habit of leaving doors unlocked while indoors, then it may be time to learn some new habits.

Check your alarm system – is it being used all the time. Check your home insurance policy in relation to alarm

Check your routines – are you and your family predictable in your movements – Would someone be able to predict your movements.

Develop a security conscious mindset and also begin to focus on your future. Reliving moments from the burglary will only keep you there and that’s not good. Call Clearys on 1850 28 1850 today to discuss your burglary