A break-in costs twice: the doors and glass broken, and the stock carried out. We prove both from your records.
ExamplesPried storefronts, cut roll-up doors, rooftop units stripped for copper.
ProofPhotos before board-up, then repair quotes.
ExamplesStock, tools, computers, point-of-sale terminals.
ProofLast count, invoices, sales data, serial lists.
Where it sitsNot covered property on the standard building-and-contents form.
What to checkA crime coverage or money-and-securities endorsement.
We established the cause and found the coverage in the policy language. Theft files turn on wording the same way.
“…they helped us work around insurance with our flooded basement.” Yaryna Dovhan
All resultsThe carrier pays stolen stock from this list. Each column needs a document.
| Column | Where it comes from |
|---|---|
| Item and quantity | Last physical count, plus receiving and sales since |
| Purchase date and cost | Supplier invoices, card statements |
| Serial or model number | Asset register, warranty records |
| Value claimed | The valuation basis on your declarations page |
A count alone falls under the missing-property exclusion. We tie it to the forced entry and police report.
A rough list gets a low number. We rebuild it from invoices and serial numbers.
Locks get fixed while stock and lost trading days wait. We open business income at once.
Conduct standards every licensed public adjuster works under.
I had a very positive experience working with this public adjuster company.
They were patient with us — walked us through the whole process a few times.
Great guys and great service. Got my check right away and had no issues to repair my floor.
No. Forced entry and a police report show a theft; the count then values it.
Standard forms exclude employee theft; a crime policy or employee dishonesty endorsement may cover it. Suspicion is not a finding.
The standard condition removes theft cover after 60 consecutive vacant days. Lease dates and property left inside decide whether it was vacant.
