What to Do if Your House has been Robbed

No one wants to come home to see their front door ajar, and their home in shambles because a break in. Unfortunately, there are approximately one burglary every 15 seconds. If a homeowner encounters this situation, they should not panic. While this may be an automatic response, it is best to remain calm and take the proper steps to handle the situation. 

Contact the Police 

Before moving anything, touching the door or anything else, the homeowner needs to contact the local, Longmont, CO police department. Keep in mind, the best chance the police have to catch a burglar is to find evidence they left behind in the home. If the homeowner begins moving things or cleaning up, they may accidentally destroy extremely helpful evidence. 

While it may be difficult, it is best to take a step back and let the police come and do their job. Once they are through with their investigation, make sure to get a copy of the report to give to 1st American Insurance Agency when making a claim. 

File a Claim with the Insurance Company

Once the police have done their work, it is necessary to contact the insurance company and file a claim. In most cases, they will need certain information from the homeowner, such as what was taken, a copy of the police report and any other pertinent information. This is necessary to help ensure that a homeowner is able to recoup all their losses after the break-in. 

There is no question that having a home robbed can be an extremely difficult situation. Not only is it scary, it can also be quite emotional. Knowing what to do is the best way to handle the situation. While calling the police is an important first step, it is also necessary to file a claim with the insurance company. For more information about handling a robbery situation, contact the staff at 1st American Insurance Agency serving Longmont, CO for more information. 

 

Should You Choose A Higher Or Lower Deductible For Your Auto Insurance?

When it comes to having the right protection you should always choose the option that best suits your needs. For many, there is a question about the amount of the deductible during a covered event. If you are not sure how the deductible works, here are a few important things to know to help you make an informed decisions.

Lower Deductible, Higher Premium

If you are tempted to go with the lower deductible, you may not realize that you are still going to have to make up the difference in the form of higher premiums. If you are on a tight monthly budget, you might want to opt for a higher deductible so you don’t have to pay as much up front. Keep in mind, however, if you do experience a covered event, you are going to need to meet the deductible amount before the insurance is going to cover expenses incurred as a result of a claim.

Are You Financing?

If you are financing your vehicle, you should consider going with the lower deductible and paying the higher premium up front. It will make it easier for you to have the vehicle repaired and allows you to feel more secure in the event of an accident. This is especially true is there are extensive damage and medical bills. Most people who have full coverage for newer vehicles should opt for maximum coverage as well as the lower deductible to ensure they can have the least amount of issues on their end during a claim. If you live in Longmont, CO, 1st American Insurance Agency can help you determine which situation best suits your needs. 

Before making a purchase for insurance products, make sure you know whether or not you want a lower deductible. For people living in or around Longmont, CO, 1st American Insurance Agency invites you to call or stop by for more information and answers to your insurance questions.