After someone steals something from your home, you may feel intensely unsafe. As you report the incident to the police, know that your home insurance agent is there to help you as well. At Noyes Hall & Allen Insurance, we help property owners in Portland, ME to get the home insurance protection they need.

What to Do After a Theft Occurs

After reporting the theft to the police and filling out a report, make your next call to your home insurance agent. Your agent will gather information from you, including the police report number and what you believe occurred.

You will then need to provide information about what was missing. If you completed a home inventory prior to this, that can help to show documentation of your ownership of the valuable item. If not, you can use receipts, photos of the asset, or other items to show you owned it.

Your insurance company will discuss the value of the item based on the type of coverage you have. If you have actual value coverage, you will receive the value of the asset at the time of the theft. Minus any deductible. If you have replacement cost, that pays up to the value of replacing it with the same or a similar item. In all situations, make sure you are thorough with your agent about what is lost and what happened.

Let Our Team Guide You

At Noyes Hall & Allen Insurance, you do not have to face this process on your own. Instead, allow our team to offer insight and guidance every step of the way. If you have home insurance in Portland, ME that covers your asset, chances are good you will have no trouble filing a claim and getting the financial coverage you need back. We can help you throughout the entire process.