What to do in case of burglary? First reflexes
The shock is rough. But you have to act fast and in order to be well compensated.
Recommended Materials
- Phone
- Camera
- Insurance contract
Steps to follow
Step 1
1. DO NOT TOUCH ANYTHING and DO NOT ENTER: If you arrive and see that the door is forced or open, do not enter. The thieves may still be inside. Call the police or gendarmerie immediately (112). If you have already entered, go out and do not touch anything (neither handles nor moved objects) to preserve fingerprints and DNA traces.
Step 2
2. Filing a complaint: The police will come to note the break-in or ask you to go to the police station. Filing a complaint is MANDATORY to be compensated by insurance. List everything that has disappeared in the complaint (you can complete the list later if you discover other thefts).
Step 3
3. Emergency securing: Once the police have passed (and only after), have the door or window repaired temporarily to close your home. Call your insurance, they often have approved craftsmen (locksmiths, glaziers) who intervene 24/7. Keep the invoice for this emergency intervention preciously.
Step 4
4. Declaration to insurance: You legally have 2 working days to notify your insurer (by phone, email or via your customer area) and send the receipt of filing a complaint. Do not delay.
Step 5
5. The compensation file: Make a precise inventory of stolen objects. Gather all proofs of purchase: invoices, warranty certificates, photos of objects, jewelry appraisals. If you don't have an invoice, look for vacation photos where you are wearing the jewelry or using the stolen camera, this can serve as proof of existence.
Frequently Asked Questions
What if I don't have invoices ?
It's complicated. The expert will propose a lump sum compensation often very low. Hence the vital importance of scanning your important invoices and storing them on a Cloud.
Psychological trauma ?
It is normal to feel 'violated' in your privacy, to be afraid to go home or to sleep badly. It is post-traumatic shock. Do not hesitate to talk to your doctor or consult a psychologist if the anxiety persists.
Precautions
- Cancel stolen bank cards and checkbooks immediately.
- Change locks if keys have been stolen.
