banner

Burglary and Theft

If you have had a burglary or theft loss and have not already done so, you should:

  • Report the burglary and theft incident to police. The police will either come to your home or record the details of the occurrence over the phone.
  • Record the name of the police officer who took the report or came to your house. Also record the incident occurrence report number assigned by the police so that you and the claims representative can reference the occurrence number when corresponding with the police.
  • Expect the police to ask for a complete list of any stolen contents together with an approximate value for each item.  
    Determine where and how the thieves got into your home and if necessary arrange for temporary repairs to secure a broken door or window etc.
  • Contact your broker as soon as possible. Your broker will provide you with assistance and initial advice on what to do before reporting your claim to Gore Mutual.
  • Ensure that you do not destroy or move evidence before calling the police; they may wish to inspect your home and take fingerprints.
  • Not dispose of damaged property without first checking with your broker and Gore Mutual claims representative.

What to expect in a burglary or theft claim. 

  • Our claims representative will contact you, obtain the details of the loss over the phone, explain the claims process and answer any questions you may have.
  • If you require emergency repair service the claims representative can dispatch a qualified restoration contractor to temporarily secure damaged entry points like a door or window or clean up broken glass or other damage from the break-in. 
  • The restoration contractor will contact you and arrange a time to meet you at your home. An estimate for repairs is prepared by the contractor for approval and you will be asked to decide who you would like to repair the damage to your home.
  • The claims representative may also assign a field adjuster to come to your home to inspect any damage, obtain loss details from you, and document where the contents were located in your home when they were stolen. 
  • Like the police, the claims representative will want to know exactly what was stolen and will ask for the details about the stolen items being claimed such as age, where purchased, and make and model number.
  • You will be asked to supply reasonable documentation where possible about the stolen property. Reasonable documentation includes original purchase receipts, warranty cards, owner manuals, appraisals, old repair invoices and photographs.
  • The details gathered about the items being claimed help us to ensure that the current replacement values are accurately determined.
  • Once all the details about the repairs to your home and current replacement values for stolen contents are obtained our claims representative will contact you to discuss the claims settlement process.   

 

For more information on Property Claims, please click one of the following links: