There are two aspects of the claim that must be handled. First, the damaged property needs to be repaired or replaced. Second, the property that was stolen needs to be replaced.
Should your property be vandalized, the insurance company requires you to protect your property from any further damage. This means that you have to arrange for temporary repairs that need to be done immediately. Insurance companies can and will challenge the bill for these repairs and the company doing the repair has the right to pursue you for the amount that was not paid – which can be substantial.
Once the temporary repairs are made, permanent repairs will need to be performed to restore the property to its original condition. The insurance company will rely on an estimate that may not reflect the quality of the original materials used. This can result in a payment to you that will not be sufficient to cover the cost of the repair.
The insurance company will also require two things in order to cover the stolen property. First, they will require that you report the stolen items to the police. They will also require evidence that the property that was stolen was yours. The insurance company has specific requirements as to what documentation is acceptable, and if you don’t provide it, the insurance company will not cover you for the stolen items.