Theft & Vandalism Insurance Claims

Discovering your home has been broken into or vandalized is deeply unsettling. Beyond the emotional impact, the insurance claim process for theft and vandalism requires detailed documentation, proof of ownership, and accurate valuation of stolen or damaged items.

Many homeowners struggle to remember everything that was stolen or damaged, and insurance companies often dispute values or deny items without sufficient documentation.

• Stolen electronics, jewelry, tools, and valuables
• Forced entry damage (doors, windows, locks)
• Damage caused during the burglary

• Property damage from intentional acts
• Graffiti, broken windows, damaged structures
• Interior damage if the home is entered

• Stolen deliveries from your property
• Documentation of order records and delivery confirmations

The hardest part of a theft claim is documenting what was stolen. Insurance companies require proof of ownership and value for every item claimed. This is where many homeowners fall short — not because they're being dishonest, but because they simply don't have receipts for everything they own.

We help homeowners build comprehensive inventories using:

• Credit card and bank statements
• Online purchase history (Amazon, Walmart, Home Depot, etc.)
• Photos and videos that show items in the home
• Social media posts showing your belongings
• Manufacturer registrations and warranty records
• Family and friends' photos taken in your home

• Undervaluation of stolen items — Carriers depreciate items heavily, especially electronics and jewelry
• Insufficient documentation — Claims are reduced when proof of ownership is limited
• Policy limits on certain categories — Jewelry, art, firearms, and collectibles often have sublimits
• Forced entry requirements — Some policies require evidence of forced entry for theft claims
• Disputed values — Carriers may dispute the replacement cost of high-value items

We help homeowners document their losses thoroughly, identify all forms of proof of ownership, and ensure the claim captures both the stolen items and any structural damage from forced entry or vandalism.

Our process includes:

• Room-by-room inventory review
• Identifying all available proof of ownership
• Reviewing policy limits and sublimits for specific categories
• Ensuring structural damage from entry or vandalism is properly addressed
• Negotiating fair replacement values with the carrier

If you've experienced a theft or vandalism and need help with your claim, schedule a free consultation.