Almost no one thinks about it, and yet, in the event of burglary, it changes everything for compensation.
When a burglary occurs, many expect to be reimbursed up to their losses. However, reality is often very different. Between the insurance contract clauses, the supporting documents to be provided and the deadlines imposed, many victims are found with compensation much lower than they hoped. Some discover too late that they did not comply with the conditions imposed by their insurer, while others struggle to prove the value of their property, for lack of supporting documents. It is precisely this point which is often overlooked: to keep the invoices of your purchases and the photos of your precious goods. However, this can make all the difference to be properly compensated by his insurance.
On the Tiktok social network, Nathalie Keskin, insurance broker, explains it very well: “To be compensated for a burglary, you need either purchase invoices or prior expertise in your furniture”. But on a daily basis, few people think of keeping invoices for their purchases. Once the article is in hand, the ticket usually ends up in the trash when it constitutes proof of purchase. Without this, insurers can refuse compensation or offer an amount much lower than the actual value of the object.
So what to do? For the specialist, there is a reflex to adopt: scan or photograph important invoices as soon as possible. “And if during burglary, the bills are stolen, how do you do it?”questions a surfer under the video of the broker. There are several solutions available to people: digitize their documents and send them “by email in a ‘invoices’ file”, or the “Save on the cloud” Or on a Google Drive, details Nathalie Keskin. The idea is to keep track of your own personal documents in a secure space on the Internet.
Another option, for people who have a trunk in a bank, you can deposit your most important purchase invoices there, or even photos of your family jewelry with if possible an expertise made upstream to certify their value. By taking these precautions, there is no reason why your insurer refuses to compensate you!
