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Oklahoma Home InsuranceA house robbery is disturbing on several levels. Apart from financial loss, you also have to deal with the emotional insecurity that springs from the violation of your private sanctuary. After all, your house is your castle, so it’s only natural to be seized by feelings of panic and fear when you realize that your house has been broken into. However, you will have to control such emotions and act rationally in order to reclaim stolen goods and safeguard your house against further damage.

What to do immediately after a break in:

1. Do not enter the house until the police arrive

Never enter the house if you have any reason to believe that it has been broken into, as the robbers might still be inside the house. For the sake of your own safety, you must remain inside your car or go over to a neighbor’s place. Once you have safely relocated, call the police right away. Once a police officer arrives and deems your house safe to enter, you can go inside to gauge the condition of your house.

2. Make a list of the stolen items without disturbing the crime scene

After a quick survey, you will have to make a rough list of the stolen items for filing a police report. While looking through your house, try and refrain from touching too many things in order to protect evidence. Based on the list provided by you, the officer will draft a report and provide you with a reference number.

3. Call your insurance agency or broker

The next call you need to make is to your insurance broker or insurance agency to alert them to the robbery. A short while after, a claims representative from the agency will get in touch with you to acquire a police report reference number and a list of stolen items.

From here, your next course of action should be determined by the extent of the damage, or the number and kind of items stolen. For instance, if the damage is insignificant, you can complete the entire procedure over the phone. You will have to provide an estimate of the damage and you may even have to hire a professional appraiser. In the absence of any major hiccups, the insurance agency will send you a check and reimburse any expenses made on house repairs after the theft.

However, in case of extensive damage, the agency will send a representative to your house to gather further details. In all probability, the representative will question you about the nature of the goods stolen and take some photographs for the sake of evidence. Additionally, he or she will guide you through the necessary paperwork.

Filing an Oklahoma home insurance claim is no cakewalk, especially if a lot of valuables have been stolen. To make things easier for yourself, you should maintain detailed records of all your correspondence with the insurance company. Secondly, carefully read through your insurance policy and focus on sections related to theft. Some policies do not cover items like jewelery, art pieces and certain kinds of equipment and consequently, this form of damage might not be recoverable. Additionally, take some photographs of your house after the theft, as you might have to produce these as evidence. Finally, always keep an extra copy of all documents, receipts and photographs for yourself. The entire procedure is long and tedious and you never know when you might need extra copies of important documents, so it’s best to be cautious.
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