If you have been the victim of theft or vandalism and your property has been damaged, be sure to call Travelers immediately for mitigation guidelines you can follow to ensure your safety. For example, if one of your windows was broken during the recent theft, take care to sweep up any shards of glass in the surrounding area and tape plastic over the window so that it is covered.
You may want to begin compiling any user/owner manuals, original purchase receipts, photographs, appraisals or credit card statements you may have from the stolen items and save all of this information for your Travelers Claim representative. He or she will be able to answer any additional questions you have throughout your claim process.
You should immediately contact your local police department or proper authority to report that a crime has occurred. The duties section of your policy requires this, but most importantly, it helps ensure that if your property is recovered, the authorities know to whom it should be returned.
Yes. If you haven't already provided this information, please compile and submit an inventory list with a detailed description of each stolen item to your claim representative. The list should include information on each item such as brand name, model number (if applicable), age and, if known, the cost to replace the item (before tax). The following, if available, should also be gathered to help you describe the item and assist us in establishing its value: user/owner manuals, original purchase place and/or receipts, photographs, and any appraisals or credit card statements you may have.
A statement is sometimes taken to assist us in capturing and recording the facts of what happened and to obtain sufficient details of the stolen items. A statement also can serve as evidence that helps us pursue the responsible parties if the stolen items are recovered by the police.
Your policy may include limits on the recoverable value for specific items such as furs, jewelry, and firearms. This means Travelers can only pay you up to a certain amount for those specific items. Check Section 1 > Property Coverage > Coverage C Personal Property of your Property policy to find a list of special limits.
Items that are business-related or used for any business purpose may also be subject to a specific limit on recoverable value. This means Travelers can only pay you up to a certain amount for those specific items. Check Section 1 > Property Coverage > Coverage C Personal Property of your Property policy to find a list of special limits.
A theft that occurs at your primary home or the land upon which your home is built is considered an on-premises theft. A theft that occurs in other places, such as having an item stolen from your motor vehicle in a parking lot, having your wallet stolen at your workplace, or having a camera stolen from your vacation rental, is considered an off-premises theft.
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