During our return from vacation, I noticed that the door to our apartment had been forced open and we had been the victims of a burglary. I contacted a member of the board of directors to inform them of our misfortune. They indicated that a series of thefts had occurred in the building. Some apartments had been ransacked. Fortunately, that was not the case for us. Question : Under these circumstances, what should I do?
Answer: Being a victim of a burglary or an attempted theft in your apartment is always a traumatic event. When you are a victim of theft, it is your responsibility to report this criminal act as soon as possible. Subsequently, it will be required to make an inventory of the stolen goods, the damages caused to the apartment (doors, windows, etc.), and to preserve evidence (photos, for example). Moreover, if you have theft coverage in your home insurance policy, you should:
Your broker will then forward your compensation claim to your insurer. However, it is up to you to gather all the elements that can justify the existence and value of the stolen goods. For example, purchase invoices, photographs of the stolen items. You must then have the damages assessed (e.g., photos of broken doors and windows). For any questions, contact your broker.
Additionally, you could also inform your board of directors who, depending on the circumstances of the burglary, could take measures to improve security in the building. It should be noted that theft insurance covers the goods that are in your private area and belong to the occupants. Most contracts also guarantee rented items or items entrusted to you, but the coverage may be limited for these goods.
