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Theft, Burglary, Robbery & Home Invasion

What you need to know about Theft, Burglary, & Home Invasion

The most violative perils are home invasions, robberies and or a burglaries. Some victims believe that a burglary is a robbery when in fact a burglary is classified as an entry into a building or others property illegally with intent to commit a crime, especially theft, whereas robbery is classified as the taking of money or goods in the possession of another from his or her person or immediate presence by force or intimidation or a larceny by force or by threat of force.

Theft is the generic term for all crimes in which a person intentionally and fraudulently takes personal property of another without permission or consent and with the intent to convert it to the taker’s use (including potential sale). In many states, if the value of the property taken is low (for example, less than $500) the crime is “petty theft,” but it is “grand theft” for larger amounts,designated misdemeanor, or felony, respectively. Theft is synonymous with “larceny.” Although robbery (taking by force),burglary (taken by entering unlawfully), and embezzlement (stealing from an employer) are all commonly thought of as theft,they are distinguished by the means and methods used, and are separately designated as those types of crimes in criminal charges and statutory punishments.

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Burglaries and robberies are difficult to document especially when your valuables were purchased over a period of years and banking statements are no longer available. In addition, most homeowner policies have a limit on unscheduled valuables such as cash, negotiable instruments, jewelry, gold, silverware, art, furs, guns, computers, watercraft and business related items, which standard limits may range from $500.00 to $10,000.00.

Proving ownership of stolen property without receipts can be difficult and you may have to rely on other evidence such as photos, user manuals, and or in some cases the testimony of others with knowledge of both authenticity and value such as an appraiser or technician who may have serviced your property at one time. Gifts and items handed down through the family are even more difficult to document.

Commercial losses can also be challenging especially when they involve bailee losses such as jewelers, furriers, cleaners, electronic and appliance repair stores who are responsible for items in their care custody and control.

We will investigate your loss and assist you in compiling all of the necessary evidence to present a fully detailed claim to your insurance company.

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