A theft of any kind can make you feel vulnerable, cheated, betrayed and angry. To help you recover your losses, your insurance agency and local police department will ask you to fill out a detailed theft report. The insurance company wants this so they can pay your claim. The police theft report is required for the insurance claim and in the event any of your items are recovered. A good theft report lists only basic details. A better theft report begins with a well-prepared individual.
Create a home or business inventory and update it continually. Make a home inventory that catalogs all the items in your home or business. The Financial Crisis Inquiry Commission states a basic inventory includes information about items in every room, the year purchased and the cost of the item. A better inventory includes the original receipt for each item of significant value and lists the manufacturer, model number and serial number of each item. The Insurance Information Institute explains a home inventory should also include a photograph for each one. Any time you purchase a new electronic item or something of value, add it to your home inventory list.
Photocopy the contents of your wallet. Make a photocopy of the front and back of the cards in your wallet, such as your driver's license, ID cards, credit cards and membership cards. This way, if your wallet is stolen, you will have customer service numbers on hand for every card you carried in one spot. This information may also be helpful if your identity is stolen.
When there is an incident, document the details from the start. As soon as you are aware your property or identity is stolen, write down in a notebook the date, time and how this was discovered. The police and insurance companies will ask you questions regarding the details of the incident, which you may have a hard time remembering if your emotions are running high. Document every conversation you have with professionals helping you with your case; including the date, time and location of the conversation. In your log, keep notes regarding police officer names, police theft report numbers, your insurance claim adjuster's name and number, your policy number, and your insurance claim number.
File a police report as soon as you are aware of a theft incident. Lawyers.com states that the police report is the most important document you will need when it comes to a theft. It proves something was truly taken from you and not simply lost, and you are not trying to commit fraud. In the report, include the dates relating to the theft. The report will ask how you discovered the theft, where the theft occurred, and when you suspect the theft happened. Refer to your log for these details. The report will also ask if you know the person who stole from you or know information regarding the suspect's identity. In addition, a police report will ask you to list the names of creditors, consumer reporting agencies, account information, and information about personal or business items stolen from you. Refer to your property and wallet inventory for this information.
File a claim with your insurance company for any personal or business items that were stolen immediately after filing a police report. The claims agent will ask you many of the same questions as the police report, plus additional questions about the property stolen from you. Provide as many details as you can and refer to your property inventory for assistance.