Burglars often take advantage of the summer period to infiltrate the apartments and houses of French people who have gone on vacation. But prevention is better than cure. We don’t always think about it, but here’s what to do, especially when it comes to your valuable jewelry.
In June, Justine was robbed. “When I got home, I was surprised to see the lock broken and the door open.“. She immediately understands that intruders have entered her home to steal everything they can take, especially valuable jewelry. “They stole cash, a games console, but above all the family jewelsa legacy from my grandmother, some of whose bracelets and rings are passed down through the generations“Like her, many French people are victims of burglaries, especially during the summer period, when going on vacation. In addition, it is often difficult to find the perpetrators and the stolen objects. To prevent the risk of intrusion, several solutions exist such as the installation of a dissuasive surveillance camera or an alarm system. But, in the event of a burglary, it is better to anticipate to limit the “loss” with regard to your family jewels, although this cannot replace the sentimental value of these objects.
Only invoices and photos are taken into account by home insurance
According to your insurance contract, a certain ceiling is dedicated to stolen objects, those damaged during the burglary, and another flat rate concerns valuable jewelry. If you have the misfortune of being robbed, then you will need to provide invoices and/or photos of your property. As for jewelry, the amount reimbursed also depends on the age, that is to say the wear of the jewel and its current value. Only problem: we generally do not have the invoices of the old jewelsnor the photos proving that they were owned and allowing an expert to assess their value.
Take a picture of your valuable jewelry to promote expertise
According to the advice of the insurance company Pacifica, take a picture of her jewelry box (just in case) is a reflex to have to facilitate the expertise during a request for reimbursement. Indeed, you can then more easily complete the document “status of losses” precisely. An expert can then assess, based on your photos, the value of your antique jewelry. Also remember to include the date of the photo if you decide to print it, for example. Another possibility: go to a jeweler to have all your jewelry and valuables appraised, in order to know in detail the amount of the jewelry box.
Good to know : you have 48 hours to lodge a complaint at the police station near you. Take the time, once you have regained your senses, to draw up the most complete list of the stolen objects that you have been able to observe. It will always be possible to complete the list, because we sometimes realize what we are missing in the days following the intrusion. That said, the policy statement will need to be consistent with the “status of loss” list you provide to insurance.