Theft

When working with police and insurance companies after a theft, try to provide detailed information and be sure to keep all records. Then, work to prevent future thefts.

Immediately After Theft

• File a police report and/or contact your insurance agent immediately upon incurring a loss.
• Make a list of stolen items and provide any additional information that the insurance adjuster or police request to process your case (for example, the model and serial numbers of stolen items).
• Keep copies of all police reports and insurance company correspondence. An inventory and/or photographs of personal possessions can greatly enhance the claims process and chances of having stolen property recovered.

Use Theft as a Learning Experience 

• Change personal habits to reduce the risk of another theft such as keeping a purse in a locked desk drawer or cabinet at work and locking windows and/or doors at home.
• Consider adding extra security equipment to your home such as motion detector lights and an alarm system (which can lower your insurance premiums).
• Reach out to neighbors or co-workers for assistance in preventing future thefts. Some neighborhoods, for example, form “watch programs” for residents to take turns keeping an eye on each other’s property.
• Ask local police who investigate your case to provide pointers on door locks and security procedures. Better still, consult them before a theft occurs.
• Practice general security consciousness at all times, including traveling, at work, and at home. Think about your risk factors for theft and take action to reduce them.