Why this topic is so important

A burglary is more than just material damage – it's an attack on your personal safety. Especially in North Rhine-Westphalia , where, according to current crime statistics, the number of burglaries rose by around 5% , no one should take this issue lightly.

Whether in Cologne, Düsseldorf, Essen or Bielefeld: A burglary often catches those affected unexpectedly – ​​and those who don't know what to do risk unnecessary trouble with the insurance company.

react correctly in an emergency , avoid costly mistakes , and confidently assert your claims . You'll be supported by the digital risk bot – and by me, Roland, your insurance coach for North Rhine-Westphalia .

Step-by-step instructions: How to proceed correctly

🕵️ Step 1: Call the police – secure evidence

• Call 110 immediately . No insurance company will pay without a police report.

• Take photos of the crime scene before you change anything (door, window, traces).

• Block cards, accounts and online access if documents or devices are missing.

📞 Step 2: Report the damage immediately

• Report the damage to your insurance company immediately – preferably by phone and in writing.

• Please have the following information ready: contract number, police file number , time of the break-in, list of stolen items.

• Create a list of stolen goods with realistic replacement values.

🧾 Step 3: Gather documents

• Purchase receipts, photos, warranties, invoices – everything helps.

• If nothing else is available, at least note the make, model and approximate value.

• Keep damaged items until the assessor has arrived.

🔍 Step 4: Check insurance coverage

• Your home contents insurance usually covers damage caused by burglary, theft and vandalism.

• Building insurance policies usually cover the repair costs for doors, windows, or roller shutters.

• Check that all safety requirements (e.g. lockable windows, alarm system) were met – this can be crucial!

💬 Step 5: Follow-up & Communication

• Stay on top of things: Regularly inquire about the processing status .

• Document all conversations or emails with the insurance company.

• In case of any uncertainties or delays: Contact an independent advisor – or me directly.

🔐 Step 6: Prevention for the future

• Retrofit your windows and doors with certified burglar-resistant fittings .

• Install motion detectors and outdoor lighting .

• Photograph and catalog valuables – this will save time when things get serious.

Typical mistakes – and how to avoid them

❌ Mistake 1: Reporting Too Late
Many people only report the damage days later – this can lead to a denial of benefits.
✅ Tip: Report immediately – even on weekends or holidays.

❌ Mistake 2: Incomplete list of stolen items
. Subsequent additions often appear unbelievable.
✅ Tip: Create the list immediately after the theft; it's better to include too much than too little.

❌ Mistake 3: No receipts or photos.
Without proof, payments are often reduced.
✅ Tip: Use smartphone photos or online bank statements as a substitute.

❌ Mistake 4: Incorrect contact person.
Many people report burglary damage to the wrong insurance company (e.g., building insurance instead of contents insurance).
✅ Tip: Contents insurance covers the contents, building insurance covers the structure – that's it.

❌ Mistake 5: Security Deficiencies
Open windows, old locks, or missing security devices can be costly.
✅ Tip: Comply with all contractual security standards – and document it.

This is how Risk-BOT and Roland support you

This is where the combination of modern technology and real experience comes into play:

🤖 Risk-BOT – Your digital emergency aid

The AI-powered Risk Bot provides you with an immediate initial assessment of the documents you need and the likely strength of your claims. No waiting times, no endless call center queues – you'll know where you stand within minutes.

📋 Check for completeness

I will personally review your report, lists, and documents. This will help you avoid formal errors, unclear information, or unnecessary follow-up questions.

⚖️ Help with disputes or rejections

If the insurer rejects or reduces the claim, we will analyze the reasoning together. I will show you how to argue , submit additional documents , or – if necessary – contact the ombudsman .

🛡️ Independent claims insurer

I am not tied to any particular insurance company. This means I represent your interests , not the company's.

💬 Specialized advice in conflict situations

Especially in cases of major damage or multiple insurance policies (household contents & building), I will accompany you step by step – until a fair settlement is reached.

Burglary in Cologne-Mülheim

Ms. Müller from Cologne-Mülheim comes home in the evening – the apartment door is open. Jewelry, laptop and cash are gone.

This is how it should have been done:

1. Police called – report filed and case number received.

2. Crime scene photographed, nothing touched.

3. Debit and credit cards blocked.

4. Risk-BOT launched → Instant checklist & assessment.

5. A list of stolen goods has been created, and supporting documents have been attached.

6. I reviewed the damage report with you – no gaps, no errors.

7. The insurance company has acknowledged the full extent of the damage.

Result: Fast regulation, no dispute, no paperwork chaos.

Summary & clear recommendations for action

✅ Immediately inform the police and your insurance company.
✅ Secure all evidence and document the crime scene.
✅ Create a list of stolen items with realistic values.
✅ Check your insurance coverage – household contents and building.
✅ Use support from Risk-BOT and Roland.
✅ If your claim is rejected: stay calm, review the facts, and argue your case effectively.
✅ Afterwards: improve security and document valuables.

Well prepared is half the battle

A burglary is a shock – but no reason to lose control. With a clear structure, digital support, and professional guidance, you can handle the claim quickly, efficiently, and confidently .

I will help you – personally, independently and with a clear goal: to enforce your claims without stress and without loss.

If you'd like, I can provide you with a free checklist on "Burglary in North Rhine-Westphalia" for download – practical, clear, and ready to use.
Would you like me to prepare it for you?