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Break-ins
Your 2nd, 3rd Break-in
Effects of Crime
Return of Valuables
Identity Theft
Vandalism
Personal Safety
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Insurance Costs
Having a break-in or making a claim because of one will likely cost you in higher insurance premiums or put you in a high risk category. Your insurance renewal could be declined. You could even be victimized again if the police and the insurance company decide to list you as a possible suspect.
 
Hot Items to Steal
Anything of value in your home could be the target.
  • computers
  • laptops
  • cell phones
  • cash
  • credit cards
  • medications
  • televisions
  • stereos
  • iPods
  • Video cameras
  • music CDs
  • movie DVDs
  • alcohol
  • tools
  • coin collections
  • stamp collections
  • guns
  • sporting equipment
  • bicycles
  • motorcycles
  • generators
  • chainsaws
  • digital cameras
  • film cameras
  • jewelry
  • food
 
Your 2nd, 3rd Break In
The scumbags that took your TV, stereo, DVDs, and tools know that these items will most likely be replaced in a few weeks by your insurance company. They may decide to return, since they know the layout of your home and that you will have new products to steal again.

Effects of Crime
The effects of a break-in can be long lasting. An insurance company may give you only a 2-week time frame to report your losses in order to make a claim. Many victims are only made aware that various items are missing months after the claim was reported. Then they suddenly discover other items were taken as well. GOOD LUCK in getting anything else from your insurance company. If you do have luck, you could be forced to pay another deductible. One senior relative who was a victim of a break-in went through this. This relative did not sleep well after her break-in for years. She would also open every closet and look under every bed upon returning home each day.
 
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Return of Valuables
Most victims do not get their valuables returned. Contacting local police and saying my TV was taken does not mean it will be returned to you, even if they have it in their possession. Marking TVs, stereos, tools, etc with your Social Security number or driver's licence number could be helpful in proving what is yours. Also, recording serial numbers of valuables could help convince police of ownership.

 

Identity Theft
The most valuable thing you own is your identity. A thief could enter your home, with no visible evidence of their visit, and take charge cards, birth certificates, passports, charge card statements, and other items in order to help themselves to your identity. A massive spending spree could be credited to your name, a mortgage taken out on your house, or a loan in your name. One relative had a check book stolen and nothing showed up for over a year. One weekend over 20 checks were wrote against his account.
 
Vandalism
Break-ins can be more than just the removal of valuables. Some victims have had paint poured on carpets, holes punched in walls, taps left running to flood a basement, furniture slashed with knives - just like in the movies when someone's house is trashed as a scumbag looks for something.
 
Personal Safety
Break-ins that occur when you are at home asleep or home invasions can be a very scary thing to live through.
 
   

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