Especially during the darker months, the risk of burglaries increases. If you become a victim of a break-in, you must correctly inform your home insurance company to ensure a quick and complete settlement. Errors in reporting the claim can delay or jeopardize payment. Risk-BOT and Roland support you digitally and personally to ensure your claim is processed successfully.

Step-by-step: Reporting damage in case of burglary or theft

1. Notify the police.
Report the break-in immediately and have a police report drawn up. This document is crucial for your insurance claim.

2. Document the damage

• Take photos of damaged doors, windows, and stolen items

• Keep a detailed list of all destroyed or stolen items.

3. Submit complete documentation

• Police report

• Inventory list

• Purchase receipts / invoices
  : Please submit the documents promptly to avoid delays.

4. Support from Risk-BOT & Roland

• AI-supported initial assessment : Opportunity analysis and procedure

• Completeness check : Avoiding typical errors

• Personal consultation : Help with questions or rejection by the insurance company.

Typical problems & pitfalls

• Incomplete inventory list: Insurance companies require a detailed breakdown.

• Late notification: Observe the deadlines in the policy.

• Coverage gaps: Check whether burglary, theft, and vandalism are covered.

Tip: Complete documentation and prompt notification increase the chances of a quick resolution.

Help with disputes with the insurance company

If the insurance company rejects the claim or a dispute arises, Risk-BOT offers specialized advice :

• A combination of AI analysis and Roland's 20 years of experience

• Official contact point: Insurance Ombudsman https://www.versicherungsombudsmann.de/

Summary & Recommendations

• Notify the police immediately

• Document damage & create inventory list

• Submit complete documentation to the insurance company

• Use support from Risk-BOT & Roland

• In case of conflict, contact the ombudsman