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Home Burgled :-(

crel2000 Avatar
8y, 8m agoPosted 8 years, 8 months ago
Played football the other night, and in the hour I was gone my home was burgled. They took two laptops, ipod touch, Digital camera, Blackberry, wallet, ipod :-(

Anyway there are two reasons for this post

1 - Don't get complacent with the current security of your home! I would have never set the house alarm at 5 in the evening for an hour, but that would have limited the little scrote's time in the house. Don't leave keys near doors or on view - this may seem obvious but if they have access to your keys they can come back to finish a job. Little things such as timed lights (which cost about 75p!), setting the alarm when you go to bed etc. I know most of you will skim past this and think nothing of it ( I would have done). But when you dont feel safe in your own home, its not a nice feeling. If only one of you heeds this advice then thats good, take 20 mins to assess vunerabilities in your home and do something about it!

2 - Home insurance, my policy holder is asking for proof of purchase for every single item i want to claim for. I can understand why this is in place, but how do i claim for gifts or items i havent kept receipts? Any advice is appreciated
crel2000 Avatar
8y, 8m agoPosted 8 years, 8 months ago
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#1
oh dear, hope u manage to sort yourself out!
1 Like #2
Sorry to hear about your problem... these people are scumbags... hope it all works out for you.

If you don't have receipts of the items, do you have any photos that were taken in the house with the items in view? These could be used as proof of ownership, possibly?
#3
some insurance campanies are a pain in the ar*e, who are you with?
#4
Sorry to hear that, I was burgled twice last year. The main change I made after that was to buy a safe large enough to fit the laptops in. Now all valuables go in there. I know if I was burgled again they would take other stuff, but it's amazing how much your laptops, phones, cameras and ipods add up to.
For items I didn't have receipts for I printed off a page from argos (for example) with a replacement item. I had all my claims paid with no problem, however my insurance premium doubled!
#5
sorry to hear this sir, hope you get sorted. I will be taking note and checking my house.

No idea what you can do about the receipts, I would have thought the insurance company could value the product based on what it's worth today maybe? (providing you can provide some kindof proof that you owned it, instructions or something simlar maybe).
1 Like #6
You can get estimaters, i e catalogue pages will do, when my dishwasher caught fire (yes a dishwasher can catch fire!) it burnt all the dishes etc, knife handles, went to debenhams and asked for an idea of how much a set of dishes and cutlery wouild cost to replace, they sent me an estimate within the week, you can just get estimates from people - and I am so sorry, its a terrible thing burglary, you are never quite the same after.

Start with writing a listy of everything - which you have probably already done - its funny though but as time goes by it becomes apparent that something else is missing so keep the list at hand and add to it tick off when you have asked for estimates and cross tick when received, you have to be really organied because you will have a.ot of paperwork and photocopies etc.
banned#7
Just hope they dont try to wriggle out of paying up as your alarm wasn't set as presumably you got a reduced premium for having one.

Maybe you can get old bank / CC statements with the items showing as being purchased.
1 Like #8
Have you any photos of the items in situ? We could not provide receipts for all our items but I can show photos of kids parties and things like that which show the contents of our house behind.
Its usually the smaller more expensive items which they like receipts for and again you may need to think about other ways to prove ownership, if an item is a gift could you whether they would accept a letter from the person who gave it to stating that they gave it you?
Otherwise did you pay by card/bank for the items? Can you get hold of bank statements to show the purchase?

Good luck I hope it all works out for you
2 Likes #9
if you are unable to provide proof of purchase for some (or a lot) of you personal items, i would suggest digging around and seeing if you can find some pictures with the said items in it. this can (in some cases) be used to prove that said items exist.

i agree with your points, and having worked in the insurance industry before, i would suggest this to everybody - go around your house and take pictures (with a digital camera) of everything in all your rooms, close ups where necessary. this should only take 10 minutes. save them onto your computer, burn a copy to disc (keep it separate from your pc) and also upload onto a storage site (or use gmail or similar). then, if the worst happens, and your house is burgled, pc stolen, or you have a fire and things get burnt, you can always access these pics to prove you had them. wherever possible, scan receipts for goods purchased and do the same.

i would probably struggle to list more than 25% of my 400 cds and 200 dvds to my insurance company in the event of a claim, but a few pictures would show the size and amount on the shelves, and zoom in a bit and you can make out some titles
#10
you may not get as much back as you would like, due to your alarm not being set.
#11
Kitten13
you may not get as much back as you would like, due to your alarm not being set.


We didnt stipulate having an alarm in the policy as it is temperamental, and it was forced entry theft.

Thanks to all of you for your replies these are very helpful indeed. A lot of my digital photos were on the laptops, with only half backed up online :( - another point of advice BACKUPS! Go to play spend £40 odd quid on a few flash usb pens and back up all photos and docs twice! give one to a friend or family member to keep safe and off-site. My life was on those laptops (photos, music, CVs, web design work) all lost to some pondlife who has never owned anything legitimate in their life and doesnt know what it feels like to lose something personal.
#12
mrs moon 53
some insurance campanies are a pain in the ar*e, who are you with?



With esure
1 Like #13
Really sorry to hear this. It must be an absolute nightmare dealing with the loss and the fallout. The advice from everyone - incl. yourself of course - is very useful and might help some of us either prevent this kind of thing or deal with it if it happens. The only thing I can add is that, if possible, you keep a postive attitude in place. The thieves often take away things more important than your valuables. Things like your feeling of personal safety, general well-being etc. Worse, they can leave you with feelings like rage. I know it's difficult to resist those kind of responses, but only by making a positive effort to paint a silver lining can you make sure they don't steal a part of you aong with the computers. I always admire my Dad in this regard. He's 70 now - so has had his fair share of disappointments and troubles - but he always amazes me by turning every loss into a positive. "A lot worse could have happened" is always his basic philosophy. It's not always easy to see things that way, especially soon after s**t happens, but I hope you can remain positive... :thumbsup:
#14
Liddle ol' me
Really sorry to hear this. It must be an absolute nightmare dealing with the loss and the fallout. The advice from everyone - incl. yourself of course - is very useful and might help some of us either prevent this kind of thing or deal with it if it happens. The only thing I can add is that, if possible, you keep a postive attitude in place. The thieves often take away things more important than your valuables. Things like your feeling of personal safety, general well-being etc. Worse, they can leave you with feelings like rage. I know it's difficult to resist those kind of responses, but only by making a positive effort to paint a silver lining can you make sure they don't steal a part of you aong with the computers. I always admire my Dad in this regard. He's 70 now - so has had his fair share of disappointments and troubles - but he always amazes me by turning every loss into a positive. "A lot worse could have happened" is always his basic philosophy. I hope you can remain positive like that too... :thumbsup:


That's great advice there... my mam has the same philosophy too.

Keep your chin up, OP... :thumbsup:
#15
crel2000;1831036
A lot of my digital photos were on the laptops, with only half backed up online :( - another point of advice BACKUPS! Go to play spend £40 odd quid on a few flash usb pens and back up all photos and docs twice! give one to a friend or family member to keep safe and off-site. My life was on those laptops (photos, music, CVs, web design work)


don't forget you can use sites like Humyo or open multiple accounts like gmail and use them as extra storage - then you can access your files anywhere, whenever you like, and it's easier to keep them updated (saves you going round to friends house, getting flashdrive, goin home, updating, taking back to friend)
#16
sorry to hear it mate hope u get it sorted with your insurance
#17
Scumbags.
[helper]#18
Before replacing all your gear - you need to think how to prevent them getting in next time. It is very common for houses to be burgled again around a month after the first burglary. Householders would have replaced the items by then (and even may still have the boxes for their nice shiny new belongings), the gits already know their way around the house, they know how to get in, and the nights your possibly busy......

You should seriously think about some additional deterrents, extra locks etc

Sorry - I don't mean to worry you but thats what tends to happen.

The good news is that most burglars will always look for an easy target, if you make you home a great deal more difficult to get in (if you can), they'll go elsewhere.
#19
CCTV cameras placed around the house are a good idea these scumbags most probably have been nicked before and the old bill with have there photo.Plus if you see them first you can beat the **** out of them.
#20
Sorry to hear about this burglary, i have an alarm system with an autodialler,sometimes i walk out of the house and forget to turn it on and think,it'll be allright,maybe i should start walking back.
That said what insurance company are you with? it's gutting enough to come back to a burgled home ,without the stress of an idiot insurance company.

One thing suprised me a break in at 5pm, if i was a burglar i would be expecting people to be home any minute,someone you know?
#21
so so sorry to har u got burgled...its quite emotional having ur privacy invaded like that as well as the heartache and loss of items......hope home insurance people dont mess u around too much...thats the last thing u need! :)
#22
Liddle ol' me
Really sorry to hear this. It must be an absolute nightmare dealing with the loss and the fallout. The advice from everyone - incl. yourself of course - is very useful and might help some of us either prevent this kind of thing or deal with it if it happens. The only thing I can add is that, if possible, you keep a postive attitude in place. The thieves often take away things more important than your valuables. Things like your feeling of personal safety, general well-being etc. Worse, they can leave you with feelings like rage. I know it's difficult to resist those kind of responses, but only by making a positive effort to paint a silver lining can you make sure they don't steal a part of you aong with the computers. I always admire my Dad in this regard. He's 70 now - so has had his fair share of disappointments and troubles - but he always amazes me by turning every loss into a positive. "A lot worse could have happened" is always his basic philosophy. It's not always easy to see things that way, especially soon after s**t happens, but I hope you can remain positive... :thumbsup:


Sound advice, many thanks. Yeh thats the worst of it, my girlfriend doesnt feel safe in the house on her own now. I have the attitude that if Im affected negatively in anyway by this then they have won. Its a bit more difficult for my OH to see it this way, we only bought the place a few months ago, but im determined to do everything to make her and I feel safe again.
#23
maffster
Sorry to hear about this burglary, i have an alarm system with an autodialler,sometimes i walk out of the house and forget to turn it on and think,it'll be allright,maybe i should start walking back.
That said what insurance company are you with? it's gutting enough to come back to a burgled home ,without the stress of an idiot insurance company.

One thing suprised me a break in at 5pm, if i was a burglar i would be expecting people to be home any minute,someone you know?


It was daylight! suprising i know, the CSI reckon they were watching the house, saw me in my football kit and knew they'd have some time. They left a screwdriver in the bedroom, but it was rubber handled and no prints have turned up
#24
maffster
Sorry to hear about this burglary, i have an alarm system with an autodialler,sometimes i walk out of the house and forget to turn it on and think,it'll be allright,maybe i should start walking back.
That said what insurance company are you with? it's gutting enough to come back to a burgled home ,without the stress of an idiot insurance company.

One thing suprised me a break in at 5pm, if i was a burglar i would be expecting people to be home any minute,someone you know?
Locals watched him go out.
#25
We have been broken into twice now and each time my dad adds various locks and bolts etc, its always made me feel much better. Then recently a friend was broken into and was very upset so I went to DIY store to buy locks etc and the guy said its all about making her feel secure, the fact is if someone wants to get in they will, all you can do is slow them down. Thats when I realised my dad has been cleverly making me feel better by adding all this stuff, and it probably hasn't made our home any more secure!
If yourOH is really frightened this may be something you can do, add locks that she can see, that look secure. Psychologically it may just help her.
You should also get a call from victim support, they can sometimes help, it depends how good they are in your area.
1 Like #26
crel2000
Sound advice, many thanks. Yeh thats the worst of it, my girlfriend doesnt feel safe in the house on her own now. I have the attitude that if Im affected negatively in anyway by this then they have won. Its a bit more difficult for my OH to see it this way, we only bought the place a few months ago, but im determined to do everything to make her and I feel safe again.


Sometimes getting involved in a few community events can help with this, especially if your OH is new to the area. Do you/she know your neighbours properly? Once you do, she might feel safer, especially if she/you feel people in the community are looking out for each other. Anyone can look suspicious when you don't know them; when you do get to know them, they just look tired. I think you were incredibly unlucky considering the small number of people around who will stoop to burglary. Time for some community action to help prevent it? This might be easier than you think, as I'm sure your neighbours are as concerned as you. Once somebody is hit in a street, everyone gets a little paranoid in my experience. A good opportunity to set up a neighbourhood watch scheme if there isn't one already?
#27
horrible thing to happen we were brokrn into when we were in bed and the main think i keep thinking is thank god we have the dogs bed in our room or who knows what they would have done.
Good luck with all the claims and getting back to normal.
1 Like #28
Im really feel for you OP. I know it doesn't feel good to have posessions taken away by total idiots of society. Please don't feel too down and I hope you get things sorted out in the swiftest way possible. And no need to waste time to curse them - we'll do it for you! -

Da#n you, you f***ing s***s, I hope you f****ing make a bomb and explode yourselves. If God has mercy, at least send these f****ers to hell or degrade them to bacteria so we can use Dettol and kill them everyday!
#29
Sounds like the scum was watching you to know what to steal within an hour! I'd hate for anything like this to happen to me, I hope everything picks up for you
1 Like #30
I am really sorry to hear about it. I can't really offer any advice other than what many people have already said. I just really hope that you don't get any unnecessary hassle from your insurance company - the aftermath of being burgled is a big enough ordeal in itself. All the best :).
#31
WonderWoman
I am really sorry to hear about it. I can't really offer any advice other than what many people have already said. I just really hope that you don't get any unnecessary hassle from your insurance company - the aftermath of being burgled is a big enough ordeal in itself. All the best :).


Thanks to all the kind words and good advice from people again!!

You've cheered me up and I've convinced the insurance company instructions and photos is enough evidence :thumbsup:
#32
if that is true about the getting burgled again wihtin the month, go round the block every time you go out, and go in the back door and hide, wait for the chunts, and burry them under the patio.


:)
#33
Sorry to hear about this, and yeah you are right NEVER become complacent about your home security, i lock the door even if im nipping out with the dogs for ten min even if my wife is in the house, as you never know what little baghead @rseholes are watching you!!! And if you catch one in the house im sure we all know what to do,my cricket bat is waiting and 'self defense' speech is prepared *ahem*:thumbsup:
#34
Sorry you been another victim of this awful crime.

My parents got broken into,my Mum lost key in taxi, all he took was a bottle of money about £80 worth of coins in it,my parents had nowt else of value.Was taxi driver but couldn't exactly prove it and police wasn't willing to go round and have a word to let my parents know his reaction when police turned up at door.Police not any help at all.
I did tell my parents to change the locks when they said key lost,but they wouldn't said it be ok,but obviously did the next day but was too late.
Even had cheek to turn on lights downstairs while rummaging about.Know it was taxi driver,cos he must found key after they left taxi,figured it was theirs,knew which house he took them to.2nd reason was my Mum always take her purse upto bed with them,and in kitchen was several handbags by kitchen table.Only 1 handag got taken,why not take them, all or rummage through them to check for purses/money. Obviously knew which bag she had in taxi that day cos that was 1 that taken.
#35
I hope you get everything back. It will all get sorted out soon...
HOPEFULLY!
#36
Sucks
I had 2 smack head in my house a few years ago.
Made me feel like **** for weeks.
I was asleep upstairs, heard someone knock on a door. Turned out they were knocking on my living room door to see if anyone was upstairs.
Although the police were very slow they were helpfull and kind.
I spent the week putting screws in all my downstairs windows (apart from the ones at the front)
Never left anything in the windows or on view.
Barbed wire at the back ( bit of a grey area that one, some cops say its fine as long as its on show and not hidden) few strips of carpet tacks on the fences.
Alarm box at the front and back of the house.

Never ever leave keys around.

My partner had left some spare house keys downstairs.
while they were in the hosue they bolted the front door so that nobody could get in..then as they left they locked the back door from the outside so that i couldnt chase them.
banned#37
kungfu
Sorry to hear about this, and yeah you are right NEVER become complacent about your home security, i lock the door even if im nipping out with the dogs for ten min even if my wife is in the house, as you never know what little baghead @rseholes are watching you!!! And if you catch one in the house im sure we all know what to do,my cricket bat is waiting and 'self defense' speech is prepared *ahem*:thumbsup:


Reasonable force is allowed, lol a cricket bat might be seen as OTT one whack to the head to knock him out would be acceptable I guess, but blood splatters all the way down the stairs and half way round the house might be seen as excessive :roll:
#38
So sorry to hear of what has happened to you. :x

Everyone here has given you sound advice already so no point in my repeating what has already been said.

Try and put it behind you (I know easier said than done) and bare in mind not everyone is like those scumbags.

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