THEFT AND BURGLARY INSURANCE CLAIMS

Theft Claims

Professional support for theft and burglary insurance claims involving domestic contents, business contents, forced entry damage and commercial property losses.

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After A Theft Or Burglary, The Claim Must Be Handled Carefully

Theft of domestic and business contents, together with damage to buildings following forced or illegal entry, can create physical, emotional and financial pressure for the policyholder. Premier Property Claims has the expertise and knowledge to manage your theft or burglary claim from start to finish.

1

Secure The Property

Emergency repairs may be needed to make the building safe, secure and weatherproof after forced entry.

2

Record The Loss

Missing contents, damaged property and business stock losses must be documented clearly and accurately.

3

Prepare The Claim

We prepare a detailed schedule of theft loss and damage for submission to the insurer.

4

Negotiate Settlement

We deal with insurers or their loss adjusters and negotiate settlement on your behalf.

Theft Claims We Handle

Premier Property Claims offers expert guidance on the handling and processing of theft and burglary claims for household, factory, office and shop losses.

  • Domestic contents theft
  • Business contents theft
  • Forced entry damage
  • Burglary damage to buildings
  • Shop, office and factory losses
  • Stock and equipment theft

Common Problems Policyholders Face

In a theft scenario, missing items can no longer be seen. Insurers will usually want to establish the validity of the claim, and their questions can be lengthy and probing.

  • Proof of ownership requests
  • Missing receipts or records
  • Detailed insurer questioning
  • Stock reconciliation exercises
  • Valuation disputes
  • Damage and loss verification

Why Insurers Scrutinise Theft Claims

Typically in a theft scenario, because the missing items can no longer be inspected, insurers will want to establish the veracity and validity of the claim. The questions can feel lengthy, probing and stressful for a victim of crime.

The last thing a policyholder needs at such a delicate time is to be questioned directly by insurance company representatives. To a policyholder this can often feel intimidating. Following a theft or burglary, a claimant is strongly advised to seek professional help and assistance in the preparation and negotiation of the claim.

Premier Property Claims can be present at meetings with insurers or their representatives. We ensure that questions raised and demands placed on you by insurers are reasonable and that your claim is presented properly.

Professional Theft Claim Management

Premier Property Claims assists clients by preparing a schedule of the theft loss and damage and by negotiating settlement with insurers or their loss adjusters on the policyholder’s behalf.

As expert claims consultants, we guide claimants in obtaining appropriate replacement or repair estimates and valuations where necessary.

Business Theft And Stock Loss

Where business contents or stock are involved, we can undertake appropriate stock reconciliation exercises to demonstrate the extent of loss to insurers.

Protecting Your Interests

Your insurance company is likely to appoint a loss adjuster or claims handler to deal with your claim, but this is to protect their own interests. Adjusters and insurance claims inspectors do not prepare your claim. They adjust the claim you submit.

Other expenses may be recoverable that you are unaware of. If you prematurely agree a claim with insurers, it may be too late for them to subsequently reconsider additional items.

Policy Wording And Negotiation

Insurance policy wordings are complex and difficult for a policyholder to understand. An insurer or their representative has the advantage and may attempt to construe the wording in their favour.

As your professional loss assessor, Premier Property Claims understands policy wording and has the knowledge and experience to redress the balance and ensure that your insurance claim is given the fullest and fairest consideration it deserves.

It is essential that you are represented by your own professional FCA regulated loss assessor as soon as possible after a theft or burglary is discovered. This helps ensure the claim is properly and accurately presented and that you receive the maximum benefit available under the policy.

Claims Management

Stress-free management of theft and burglary claims from first contact through to settlement.

Cash Settlements

We help negotiate fair cash settlements directly with your insurance company.

Personal Service

We provide a hands-on approach and act only in the interests of the policyholder.

Need Help With A Theft Claim?

Speak with Premier Property Claims today and let our experienced team manage your theft or burglary insurance claim from start to finish.

Call 0800 193 4323