House Burglary - Halifax Home Insurance (Crawford)

therealhyper

Hi,
Our parents home was recently burgled and a lot of cash and jewelry was stolen.

Police are obviously involved and have been investigating the robbery however they have not managed to track the items or the rotten thieves (Despite us managing to get hold of a lot of CCTV from the local area which shows the 2 thieving XXXXXXX).

A claim has been put in with the Halifax Home Insurance (a few weeks later) and they have handed the claim to a company called Crawford.

Has anyone dealt with them and know how the process works of trying to recover the value of the lost items ?

I have heard of horror stories with insurance companies..but assuming this should be straight forward ?
Many Thanks

therealhyper

Hi,
Any feedback guys ?
Thanks

dacouch

Insurers like to ensure a claim is valid so there are processes they will go through, these tend to be more indepth for theft claims.

With a claim for a large amount of cash (The policy will have a relatively low limit for cash) and jewellery this will trigger a thorough investigation.

Loss Adjusters will typically use "Cognitive Interview" techniques which are a long interview going over the details of the claim and the items. It will involve them asking you further probing questions which you will think have already been covered in the interview and also seemingly irrelevant questions.

This type of interview can be hard work for you but is designed to weed out fraud and detect lies.

Basically tell the truth you will be ok and do not try exaggerate the claim as they're very adept at spotting this

CKhalvashi

What dacouch says.

I know they're a pain in the backside, however the insurance company is trying to protect their own interests, and as such is getting an expert to scrutinise the claim.

therealhyper

dacouch wrote: »

Insurers like to ensure a claim is valid so there are processes they will go through, these tend to be more indepth for theft claims.

With a claim for a large amount of cash (The policy will have a relatively low limit for cash) and jewellery this will trigger a thorough investigation.

Loss Adjusters will typically use "Cognitive Interview" techniques which are a long interview going over the details of the claim and the items. It will involve them asking you further probing questions which you will think have already been covered in the interview and also seemingly irrelevant questions.

This type of interview can be hard work for you but is designed to weed out fraud and detect lies.

Basically tell the truth you will be ok and do not try exaggerate the claim as they're very adept at spotting this

Thanks for your feedback, very helpful.

therealhyper

CKhalvashi wrote: »

What dacouch says.

I know they're a pain in the backside, however the insurance company is trying to protect their own interests, and as such is getting an expert to scrutinise the claim.

Thanks, this is true, they have a job to do, understand that, makes for a lenthy process.

CKhalvashi

therealhyper wrote: »

Thanks, this is true, they have a job to do, understand that, makes for a lenthy process.

But, think of it on the other side, it's companies like this that ultimately keep your premiums down.

That shows you why it's necessary.

dacouch

CKhalvashi wrote: »

But, think of it on the other side, it's companies like this that ultimately keep your premiums down.

That shows you why it's necessary.

I sometimes explain it thus.

"If you agreed to pay your friend £10k if x, y or z ever happened and in return your friend agreed to pay you £100 in case x,y or z occurred.

If x, y or z did ever occur you would want to satisfy yourself that x, y or z had actually happened.

Now imagine the same situation if it was not a friend and was a business transaction, you would be even more keen to ensure x, y or z did actually happen