Theft and burglary claims.
Break-ins produce three claims in one, the stolen contents, damage to the building or windows, and security upgrades to prevent recurrence. Evidencing loss without receipts is the usual challenge.
What this claim really involves.
The single biggest reason theft claims settle short is that the insurer relies on the policyholder’s memory to build the contents schedule. Working through what was actually there, room by room, and evidencing value with photographs, statements, older insurance records and market values, transforms the settlement.
Where theft and burglary claims go wrong.
The things we most often see mis-handled when a policyholder tries to run this type of claim on their own.
No cost. No obligation. We will tell you within one conversation whether this is a claim worth pursuing.
Start a free reviewCommon issues we see
- Contents schedule built from memory, missing items and undervaluing others
- High value items rejected because they were not specified on the policy
- Damage to windows, doors and frames from forced entry missed in the initial claim
- Security upgrades required by the insurer at renewal, but not funded through the claim
- Loss of use during repair and reboarding not claimed
What KBR Management does
- Prepare a full contents schedule, room by room, with photographic and third-party evidence
- Argue high-value items on Family Fine Art or Personal Possessions extensions where applicable
- Include damage to the building fabric and any temporary security in the same claim
- Include security upgrade costs where the insurer requires them as a condition of continued cover
How to appoint us
Call an assessor on 0800 980 2230, or send a note through the free review form. Please include the property postcode and, if you have it, the name of your insurer and the policy number. We will read your policy, look at the loss, and tell you honestly where you stand.
There is no obligation to appoint us after the free review.
About theft and burglary claims
Answers to the questions we hear most often about this claim type.