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A close family member had his home burgled. Laptops, phones, jewelleries, cds, dvds and more have been taken. Only the main door was damaged, the rest of the house was just messy. Unfortunately the insurance is still processing his claim , almost 12 month now, by writing to them asking them different question as if they were suspicious of fraud. he was away with his family at the time. The main issues is that receipts were never kept as all the product were over 6 months and he did not think that he needed to keep them( not the he was able to get a full refund if anything went wrong after 6 month). Manuals or boxes were not kept for most of the item as he never had to use them or it was not needed, on top of that he does not have much storage at his home. He was quite an electronic/ technology geek so he never had any issues to make things work, but most of the time he would use manuals online if he really needed them. The only proof of ownership he had was pictures which he saved onto his laptop, desktop, cd and phone, which were all stolen during the burglary. The insurance company is acting like they will not pay out if he cannot hand in any kind of proof of ownership, can they do that? please advise.

  1. Reply
    April 17, 2012 at 5:13 pm

    Theft claims take a long time to settle. Because there is so much fraud people do get investigated. Sorry but bad guys ruin it for the good guys.

    And, a claim is much harder to settle without receipts or photos or a list of items taken. That is why people should at least take photos of their home with a video camera if possible or at least some still photos.

    The claim rep should be helping your friend. If you think your friend is not getting the help that they need then tell them to contract the Department of Insurance in your state for help.

  2. Reply
    April 17, 2012 at 5:49 pm

    I’m afraid that they can do that and often do….that is why it is important to keep receipts and manuals etc etc…..

    I’m sorry to say it but, they may drag this out for a long long time…

    The only way he can provide any proof is a statement from friends and they may not even accept that…..

  3. Reply
    April 17, 2012 at 6:09 pm

    Photos or video of the items should be an acceptable form of proof in the absence of anything else.
    As has been said,these things can take time,and so its always better to provide as much proof as you can to assist any progress of the claim.

  4. Reply
    April 17, 2012 at 6:24 pm

    So he has no proof that he actually owned these items. Small wonder that the insurer is suspicious. The lesson is that receipts, photo evidence, etc., need to be kept in a separate secure place – like a safe deposit box.

  5. Reply
    April 17, 2012 at 6:40 pm

    On some of the items, laptops, phones etc, did he register them? If so the company would have a record.

    The phone company should have his phone records. Has there been any calls made after the break in?

    Does other family members have photos? ie; XMAS at the home showing in the background the items in question?

    Did he pay by check, credit card or cash for these items? If cash, no proof, but if by check or credit card, maybe able to go back and get copies of the purchases.

    If not, most likely they will deny since he will not be able to validate he had prior to the theft.

    good luck

  6. Reply
    Cala B
    April 17, 2012 at 7:03 pm

    When it comes to everyday items such as a tv, stereo, etc most insurers will just accept that people generally own these things and will pay out without a fuss. When it is expensive or an unusually large collection of items than the onus is on you to prove that you owned them in the first place.

  7. Reply
    April 17, 2012 at 7:18 pm

    Let me guess…a really inexpensive company?

    This is why it’s essential to go with financially strong company that collects the PROPER premiums. This way, when you need the insurance, you’re not treated like a criminall

  8. Reply
    April 17, 2012 at 7:43 pm

    Never kept receipts over 6months as not able to get a full refund – what about the 12 month warranty that would come with the product, this would need proof of purchase i.e a receipt. How did pay for them? If it was by card can get info from card provider that may help. Why would he have photos of his laptop, cds & phone? Many retails would keep records that would help.Mobile Phone – would this not be recorded by the phone provider. To be honest I don’t see your family member being successful in the claim. Yes the company can with hold on paying out if you can not provide proof you actually had it, bought legitimately and belong to you. Further you can under European law if an item was faulty at point of sale get a full refund up to 7 years!

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