Making a theft or burglary claim

A man breaking into a house. Do you need to make a theft or burglary claim?One of the most traumatic events that can happen to someone is for their home or business to be broken into. Unfortunately, these types of claims are on the rise. Your insurance company may only be willing to pay for some of the stolen items. They might ask you questions, which if not answered correctly, might result in them withholding the full settlement or turning the claim down entirely. Contact us to get professional advice on your claim before contacting your insurance company.

When should I call the insurance company after my property has been broken into?

You should contact Property Claims Loss Assessors (PCLA) as soon as possible and before you contact your insurance company. As professional loss assessors, it is our job to make sure your claim is submitted properly and as fast as possible. However, If you have already contacted your insurer, PCLA can still be appointed at any stage of the claim.

How do you deal with an insurance company after a Theft/Burglary?

PCLA take the stress out of dealing with insurance companies. It’s our job to liaise with the insurance company on your behalf. We’ll keep you up to date on the progress of your claim. You can contact us at any time to discuss your case.

PCLA will notify the insurer of your loss and arrange to meet with their appointed Loss Adjuster. As qualified Building Surveyors, PCLA have the skill and expertise to scope out any damage that has been sustained to your property.

We use this scope to compile fully costed schedules of damage which form the basis of the claim which we use in the negotiation with your insurer. There is nothing for you to do and PCLA take away all the stress of
dealing with your insurer.

How do I make a Theft/Burglary insurance claim?

The easiest way to make a theft/burglary claim is to get PCLA to do it for you. Our team manages the claims process on your behalf, so you do not have to. PCLA will check your insurance policy documents to confirm the cover you have in place. We will undertake surveys of your property to identify the full extent of damage caused, help gather up evidence to support the claim and present this to insurers.

We can also arrange for emergency works to be undertaken such as temporary repairs to secure the property.

If you appoint PCLA as soon as possible, we can start building your case and answering your questions. We will present your claim in the best way possible to ensure you receive your full entitlement under the terms of your policy.

Get Support From PCLA

Theft/Burglary claims can be traumatic for a number of reasons. Firstly, the event itself and then the process of dealing with the Insurance company.

Property Claims Loss Assessors (PCLA) have dealt with many cases where the information required from the insurer and the way in which it is requested can compound an already stressful situation.

The damage from a theft/burglary can also be significant, the manner in which the property is entered can lead to damage to doors, windows, walls, etc and when in the property those who have broken in can cause further damage.

When should I call the insurance company after my property has been broken into?

A man breaking the lock of a door to a house. Do you need to make a theft or burglary claim?You should contact PCLA as soon as possible and before you contact your insurance company. As professional loss assessors, it is our job to make sure your claim is submitted properly and as fast as possible.

How do you deal with an insurance company after a Theft/Burglary?

PCLA take the stress out of dealing with insurance companies. It is our job to liaise with the insurance company on your behalf. We will keep you up to date on the progress of your claim. You can contact us at any time to discuss your case.

How do I make a Theft/Burglary insurance claim?

The easiest way to make a theft/burglary claim is to get PCLA to do it for you. Our team manages the claims process on your behalf, so you do not have to.
PCLA will check your insurance policy documents to confirm the cover you have in place. We will undertake surveys of your property to identify the full extent of damage caused, help gather up evidence to support the claim and present this to insurers.

We can also arrange for emergency works to be undertaken such temporary repairs to secure the property.

If you appoint PCLA as soon as possible, we can start building your case and answering your questions. We will present your claim in the best way possible to ensure you receive your full entitlement under the terms of your policy.

How do theft/burglary claims work?

The first thing you need to do is appoint PCLA to act on your behalf. PCLA will notify your insurance company to start your claim. Our team of professional loss assessors will handle the entire claims process for you. Our aim is to ensure your claim is handled as efficiently as possible meaning your property can be reinstated as soon as possible.

What happens when I have a theft/burglary claim?

After you appoint PCLA they review your policy and, if cover is in place, will contact the insurance company to notify them of the incident. The insurer may ask for a report detailing the full extent of damage caused by the incident and confirmation that the police have been notified, PCLA can provide this if needed.

If a Loss Adjuster is appointed by the insurer, PCLA will liaise with them and present them with all claim details required. PCLA will meet with the Loss Adjuster on site if necessary to go over the circumstances of the loss and damage. PCLA will compile a fully costed schedule of claim using current market rates based on the damage evidenced to the property, meaning there is no need for you to obtain builders quotations to present to your insurer. PCLA will then negotiate the best possible settlement for you under the terms of your insurance policy.

How do I make sure I get what my policy entitles me to?

Contact PCLA as soon as possible. We will assess the damage to your property, cost the works required and negotiate with your insurer. That is why, with PCLA acting on your behalf, we can ensure you get everything you are entitled to under your insurance policy.

Should you use a Loss Assessor?

Making an insurance claim is very time consuming and often frustrating. At PCLA, we know from experience that the insurance claims process can be extremely frustrating. We’re here to help. As experienced loss assessors we work on your behalf to manage the entire claim process, so you do not have to, and to ensure you receive everything you are entitled to.

Why are theft/burglary claims rejected?

It is important to read the terms and conditions of your insurance policy to understand what is and is not covered. PCLA have the knowledge to guide you in the best way possible through your Insurance claim.

How long does it take to settle a theft/burglary insurance claim?

A man has broken and entered into a house. Do you need to make a theft or burglary claim?Theft/Burglary claims can be quite complex. The insurance company will usually require a report from the police. They will wish to see how the property was entered and if this was through an unlocked door or window, the claim could be turned down depending on the policy wording. The insurance company may request valuations for items stolen or damaged and proof that these were in your possession at the time of the loss.

With PCLA working on your behalf we can help take away the stress and hassle and deal with the case from start to finish on your behalf. PCLA will liaise with your insurer and ensure your claim is dealt with promptly and fairly. All aspects of the claim are handled by PCLA and we work on your behalf to ensure the process is as seamless and stress free as possible.

Tips to help prevent a theft/burglary at your property

  • Ensure your locks and security devices are of a high quality and specification.
  • Always lock your doors and windows before leaving for work and going to bed.
  • Keep keys away from windows and doors, preferably in a key safe.
  • A secure post box or letter cage can stop a burglar from reaching nearby keys or undoing the latch from outside.
  • Use British Standard approved locks that meet BS3621 on all entry points.
  • Install a monitored alarm at the property and ensure this is set when required.
  • Keep high value items out of the sight of any passers by or those looking through windows.
  • Install a CCTV system.
  • Fit security lights with sensors.

We offer help and advice for all instances of Commercial or Domestic Property Damage. Use the links below to learn more about how a loss assessor can take the stress out of your insurance claim.