5 Steps You Need to Take If Your Home Has Been Robbed.

No homeowner wants to think about what happens after a burglary, or a home break-in occurs, but it’s important to be prepared. Knowing what to do will help. Read on to find out about five steps homeowners need to take immediately if they discover a home or office break-in.

Writing down the statements

Step One: Report the Burglary to The Police

The first thing homeowners need to do is call the local police to report the incident. Don’t touch anything until the police arrive. If the burglary is in process, the police will head to the area to apprehend the burglar. Otherwise, they will file an incident report and do everything possible to help homeowners retrieve their stolen items. Your incident report will be required to file an insurance claim with your insurance company.

Step Two: Call a Locksmith, Handyman and Alarm Company

If the burglar has broken in through one of the home’s doors or windows, homeowners will need a locksmith to replace the locks and a handyman to repair the damage. The right alarm company will also be able to make recommendations about how to prevent future break-ins. Based on the homeowner’s needs, these may include installing access control systems, video cameras, or security systems.

home security cameras, home security company

Step Three: Cancel Stolen Cards and Lock Phones

If the burglar has stolen residents’ wallets, phones, or other devices with personal or financial information, homeowners should call their credit card companies, banks, and service providers to cancel the cards and place holds on all accounts right away to avoid identity theft. Burglars may use the personal data they find on cell phones, tablets, or laptops to access consumers’ bank accounts, so place a hold on the phone service and change all passwords associated with any accounts. This will help you do some damage control by preventing the need for complicated mitigation strategies should their accounts get hacked or their credit cards be used by the burglar of your home.

Step Four: Take Inventory

Once the police have evaluated the scene and homeowners have taken steps to assess additional damage, it’s time to take an inventory of what the robber stole or damaged. Take pictures of the home before moving anything, especially if there has been any vandalism during the home invasion. Try to collect any evidence about stolen items before filing an insurance claim. The most common items stolen during home break-ins include purses, wallets, cell phones, computers, electronic devices, jewelry, watches, and tools, so look for these first to see if they are missing.

 

Another thing you should do is have a hard copy spreadsheet or paper with an inventory with the product information, even the receipt on hand before a home burglary happens. This may sound like a laborious task, but it will make life much easier to do it while not under any stress from the invasion of your privacy.

Step Five: Contact Your Insurance Company

After the police have finished gathering evidence about what items have been stolen. Look at what parts of the property have been vandalized. Now is the time for you to call their insurance providers to file damage claims. Be prepared to provide a copy of the police incident report along with photographs of the scene, a list of affected assets, and supporting evidence such as receipts, valuations, or old photographs. The insurance agent will use all of this information to determine the value of your claim.

Man preparing an Insurance Claim Form

The Bottom Line for Home Burglaries.

Dealing with home break-ins is always stressful. But it can help to have a plan laid out in advance. Homeowners who follow the steps outlined above should have fewer problems with collecting insurance benefits and avoiding collateral damage, such as charges on credit cards or having money stolen from bank accounts. 

One last tip, even though the police will do this to a point, call all local pawn shops with-in a 30-40 mile radius with a list of the items you have had stolen.  This puts them on alert and you may get your stuff back and help the police catch the burglar as well. 

 

You may want to read about Types of Alarm Systems

 

 

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