It’s every home dweller’s nightmare: you return from work, a night out or a holiday to find a window’s been forced open and your valuables are missing. Here are 10 things you need to do if you’re unlucky enough to get burgled.
1. Phone the Police
Do this straight away – the sooner you report a crime, the greater chance the crime will be solved. Important: If you suspect that the burglar is still inside – don’t enter! Instead, call the police from outside your property – preferably from the safety of your car or a neighbour’s home.
2. Don’t Touch!
A burglar will have left forensic evidence at the scene of the crime. For your best chance of catching the perpetrator or recovering your stolen goods, don’t touch or disturb anything inside or outside of the property until Scene of Crime Officers have looked for fingerprints, footprints, tool marks etc.
3. Itemise Stolen or Damaged Property
Go through your property room-by-room and make a comprehensive list of everything that has been damaged or stolen (including serial numbers and any identifying marks if possible). Both the police and your home insurance provider will require these details.
4. Inform Your Bank
If any debit cards, chequebooks or credit cards are missing, inform your bank or credit card company straight away. They will put an immediate block on your cards being used and then issue replacements. You will also need to do this if any digital storage device (PC, laptop, CD, DVD, USB etc) has been stolen that contains your sensitive financial data. If your passport or driving licence are missing, tell the relevant authority as soon as possible.
5. Get a Crime Report Number
The police give all reported crime a unique reference number. Remember to make a note of this as your home insurance provider will require it when you come to make a claim.
6. Contact Your Home Insurance Provider
Assuming you have home cover, you should be able to claim for stolen or damaged items (contents insurance) or property damage (buildings insurance). Contact your insurer as soon as possible and complete their claim form (this is when you’ll need the list of stolen/damaged property and the crime reference number). Keep receipts and damaged items as a loss adjuster might want to see them.
7. Secure Your Home
Doors or windows damaged during the break-in will need to be fixed immediately. Also, police attending your burglary should point out any obvious weaknesses in your home security. Consider this as an opportunity to upgrade home fortifications to make it harder for a repeat visit from a burglar. You can find helpful burglary prevention tips here and you may want to consider joining neighbourhood watch.
8. Re-Insure
Upgraded security measures could mean a reduction in your home premiums to reflect the lower risk to an insurer, so why not see if you can offset some of the upgrade cost by finding a cheaper home insurance quote.
9. Victim Support
As burglary can be a traumatic event, the police will refer your case to Victim Support, or you can contact them yourself. Victim Support’s volunteers offer free counselling, help and advice to victims of crime. You can get in touch by visiting their website or calling 0845 303 0900.
10. Victim Compensation
The police will inform you if the burglar is caught. If an arrest results in a conviction, the court can order the offender to pay victim compensation to cover loss or damage, but you must tell the police in advance if you wish to claim for this.
