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Theft Claims

Theft Claims can be Complicated

Despite the homeowner’s best attempts at avoiding theft, there are times when unwelcome visitors take possession of your belongings.

Theft Claims Strategies

The majority of strategies for dealing with a theft claim are similar to other losses. However, several factors set these claims apart and make them more time-consuming and complicated. The main reason these claims are harder to resolve is due to the high number of false claims. People turn to insurance companies to replace things they never owned in the first place. In response to this, insurance companies have made the claims process more stringent.

Police Reporting

It’s essential to file a police report regarding the theft as soon as possible. Insurance companies will use any official police documents to confirm the event took place.

Documentation & Proof

Most companies also require documentation to prove the value and ownership of the items in question. Proof for these items may include photos, receipts, appraisals, credit card statements, or insurance endorsements.

In cases of more significant losses, an examination under oath may be required if a substantial amount of documented proof is not available. A EUO is a formal proceeding where the policyholder is questioned by the insurance provider, under oath, with the presence of a court reporter.

Advantage of having a Public Adjuster

When you call IZP Consulting, we are on your side and will handle the complexities of these types of claims. We work hard to speed up the claims process and get you the highest-paying settlement for your lost property.


A public adjuster is a licensed insurance professional who works on behalf of policyholders to help them file and negotiate insurance claims.

A public adjuster works for the policyholder, while an insurance adjuster works for the insurance company. Public adjusters are independent and do not have any affiliation with insurance companies.

Hiring a public adjuster can help you navigate the complex insurance claims process and increase your chances of receiving fair compensation for your losses. Public adjusters have the expertise and knowledge to help you document and present your claim effectively.

Public adjusters typically work on a contingency fee basis, which means they only get paid if you receive a settlement. The fee is typically a percentage of the settlement amount.

Public adjusters can help with a wide range of losses, including property damage from natural disasters, fires, water damage, and more. They can also help with business interruption claims.

Yes, public adjusters can help you appeal denied or underpaid claims. They can review your policy, documentation, and negotiate on your behalf with the insurance company.

The timeline for the claims process with a public adjuster can vary depending on the complexity of the claim and the insurance company’s response time. However, public adjusters work diligently to expedite the process and get you a fair settlement as soon as possible.

When choosing a public adjuster, it’s important to look for one with a strong track record of success, positive client reviews, and proper licensing and insurance. You can also ask for referrals from friends, family, or your insurance agent.