How to Handle a Burglary Claim: A Step-by-Step Guide

Coming to work and finding your door broken and your laptops gone is a nightmare. Your heart sinks. You feel violated. In this moment of stress, it is easy to make mistakes that could hurt your insurance claim. At CoverB, we want to be the first people you call. Here is our expert guide on what to do after a burglary.

Step 1: Call the Police (999)

Do not touch anything. Do not start cleaning up. The police need to see the scene exactly as it was. In Dubai, you must have a “Police Report” to file an insurance claim. Without it, the insurance company will not pay. Make sure you get the case number and a copy of the final report.

Step 2: Take Photos and Videos

Use your phone to document everything. Take photos of the broken lock, the smashed window, and the empty desks. This is your “Proof of Loss.” At CoverB, we always tell our clients: “A picture is worth a thousand dirhams.”

Step 3: Make an Inventory

Create a list of what is missing. Find your old receipts or bank statements to show what those items cost. As the best business insurance consultants, we recommend keeping a digital copy of your assets (like serial numbers of laptops) in the cloud before an accident happens. This makes this step much easier.

Step 4: Contact CoverB

This is where we take over. We help you fill out the claim forms. We talk to the insurance company’s “Adjuster” (the person who checks the damage). We make sure they see all the details. We push to get your payout as fast as possible so you can buy new equipment and get back to work.