Nearly all homeowner’s insurance policies offer coverage for personal property and items in your home. The catch is that there is a cap on how much is protected monetarily. This number can be changed depending on your policy type and amount that you selected when obtaining the homeowner’s insurance from your vendor. Insurance companies also often try to deem certain items as not “normal household items,” and these could receive no coverage at all. This is where an experienced Public Adjuster can make all the difference.
When obtaining a homeowner’s insurance policy, it is important to have unique items separately listed on your policy. This is often done with the help of an expert appraiser. Items that are considered to be “unique,” include collectors items (coins, artwork, historical items, etc.), high-end electronics or valuable jewelry. What is considered “unique” is highly discretionary, and these items should be discussed at length with your policy provider when first obtaining your homeowner’s insurance to guarantee their coverage.
Should theft occur, it is important to document what all was taken, as this will be part of your insurance claim. Have photographs of your expensive jewelry on hand, along with physical descriptions of the items themselves. Any official appraisal documentation is incredibly valuable to jewelry theft claims. With proper documentation, you must also provide evidence that you took all necessary steps to preventing theft. This includes how the jewelry was stored and protected in your home.
Once your claim has been filed, proper settlement will depend almost completely on the policy type you have. A Public Adjuster can help negotiate with your insurance company and ensure that all necessary steps are met along the way to a proper payout. To save yourself time and increase the payout of your jewelry theft claim, call us today for our professional Public Adjuster’s assistance.