Door locks and home insurance
by Admin
Posted on 27-03-2023 12:01 PM
You may not be able to eliminate the risk of being burgled, but by theft-proofing your home, you can make it more difficult for intruders to gain access to your home. And you might also save money on your insurance premium. Ways you can theft-proof your home include:
install a burglar alarm that’s connected to the local police.
Add motion-detection lights outside your home. Use high-quality deadbolt locks on your doors. Install video surveillance cameras on your property.
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Making a theft or burglary claim
Make the police aware as soon as possible on 101 or 18001 101 for text phone users, if your claim is due to theft, riot, malicious acts or vandalism. Make sure you get a crime reference number.
Prevent further damage to your property where safe to do so by making urgent repairs, such as turning off water from the mains supply, repairing locks that have been damaged or securing broken doors or windows. Find your policy number and have it to hand; check your policy schedule for this. Check your level of cover to make sure you’re covered for what you’re claiming for.
First-loss policies are most commonly used as theft or burglary insurance to insure against events where a total loss is extremely rare (i. E. , the burglary of all goods contained in a large store). In a first-loss policy claim event, the policyholder does not seek compensation for losses below the first-loss level. Premiums are calculated proportionately, meaning they are not based on the full value of total goods or property. First-loss insurance is also considered first when filing any claims if someone carries more than one policy for a given threat to their property. The coverage provided can actually be more comprehensive, which can be important for costly assets that might otherwise be difficult or impossible to insure.
What our client's say
There is no particular procedure for making a claim, although time limits apply. A visit to the agent or a telephone call to the insurer needs to be followed up in writing with details of the claim. If you make the claim in writing send it by recorded delivery letter (lettre recommandée avec accusé de réception) to avoid the risk that the insurance company later deny ever receiving the claim. While a local insurance agent is permitted by law to accept receipt of an insurance claim by one of their clients, this is not necessarily the case with a broker.
We receive countless enquiries from potential clients with claims that have been dragging on for months and months (sometimes years). By employing salmon assessors, you can rest assure that your claim will be presented and settled in the quickest time possible. We will never let the insurance company delay. Contact our expert assessors now.
property insurance provides cover for physical loss or damage. Types of claims include burglary, small fires, business interruption, accidental damage, malicious damage, money loss and glass breakage.