After a Burglary

What to do after a burglaryHaving your home or apartment broken into can be one of the most disrupting and stressful occurrences in life. It’s not only devastating to have personal objects stolen, but also the feeling of violation and loss of privacy which can result in feelings of insecurity.

Please review the following checklist to ensure you take the right steps after a home burglary:

  • If you arrive home and it appears to have been broken into: do not enter the house. Call the police from your cell or a neighbours. The burglars might still be inside.
  • Do not touch or disturb anything.
  • Call the police and your insurance company immediately.
  • Check on family pets.
  • The insurance company will require the police report to validate your claim. Be sure to save a copy for your personal record.
  • You may consider hiring a company to help with the restoration of your home. It may be quite emotional dealing with the losses and damages, speak to your insurance agent before your finalizing your claim.
  • The insurance company may want to send out an adjuster, in this case you might be required to still not disturb the home and you may need to stay elsewhere until their visit.
  • Carefully document all the missing items (your home inventory will be a very helpful and time saving resource) as well as any damaged items.
  • To help feel more secure and for peace of mind you may want to consider installing or upgrading a home security system. With a new system you may be eligible for a discount on your home insurance premium.

The financial and emotional impact of a burglary can be felt for a long time, but by being prepared you can lessen the stress involved. Take the time to review your insurance documents to ensure you’re fully covered and create an inventory of your possessions to help make the chance of a break in less devastating.

If you’d like a review of your home insurance needs, please feel free to call us: 519-736-8228. We’d be happy to help you.

It’s Best to Be Prepared

Gibb Insurance Home Insurance Advice Amherstburg Ontario

‘Disaster’ is such a big scary, all-encompassing word… but when it comes to peace of mind, whether it be a fire, flood or storm damage; it’s always best to be prepared for the worst case scenario.

Whether you are a home owner or a tenant, every family should have an inventory of their possessions for insurance purposes. Imagine arriving home only to discover that it’s been destroyed by fire, or the basement has completed flooded. Although unlikely to happen, being prepared could save you a lot of time and money.

Having a record of all your possessions will make processing your insurance claim considerably less stressful and time consuming.

Creating a home inventory of all your possessions only takes a few minutes. Simply record a video with your smart phone (or borrow a trusted friend’s). If you have a Google Account, upload the video set as ‘private’ in YouTube. The private link ensures that only you as the Google Account holder has access to it.

  • Walk from room to room, detailing what you see
  • Note any items of particular value
  • Open drawers and closets
  • Remember to document what is in your garage and shed and on your patio
  • Also record the items in your safe

Although we hope you will never need to use your home inventory list, it’s best to be prepared.

If you have any home insurance questions, please give us a call at 519-736-8228.

Creating a Home Inventory

Imagine arriving home only to discover that it’s been destroyed by fire. Although unlikely to happen, here at Gibb Insurance we believe:

The better you prepare for a disaster, the less likely it will happen.

Now imagine during this incredible stressful time trying to list all of your possessions for insurance purposes. (Exactly how many pairs of shoes did you have and what was there approximate value?)

Create a home inventory - Gibb Insurance Brokers Amherstburg OntarioThat’s why we encourage everyone, homeowners and renters alike, to create a home inventory of their possessions.

In the past, creating a home inventory was a laborious, tedious and time consuming process. With technology, a home inventory will only take minutes and provides you with peace of mind.

Simply record a video using your phone (or borrow one!). Walk through your house from room to room commenting on your possessions. Open closets and drawers and remember to record what’s in your safe, garage and shed. Upload the video to a cloud based server, like YouTube or simply email the video to yourself and ‘file’ it securely your email.

It’s also a great idea to digitize important documents. Scan or take photos of your important documents and save in a secure cloud based server. When uploading sensitive video or documents online, first ensure that your privacy levels are set appropriately.

Although we hope you will never need to use your home inventory list, we feel it’s best to be prepared.

If you have any home insurance questions, please give us a call at 519-736-8228.