Policy note
Theft and break ins in a flat above a shop
Theft is the one situation where the paperwork done long beforehand decides how quickly everything after it goes.
What follows is the ordinary position at Noorderdijk. The policy schedule and the conditions document together are what a claim is assessed against, and where this note and those documents differ, those documents are the ones that count.
In a flat above a shop the ceiling of one business is the floor of a home, and the two are usually insured by different people. The schedule names which part of the building this policy answers for.
02
What the policy covers here
- Things taken from the home after somebody forced a door, a window or a lock.
- The damage the forcing did, the door and the frame included.
- Replacing locks and keys after keys were taken.
03
What it does not cover here
- Things that went missing with no sign of a break in.
- Money and valuables above the amount the schedule names for them.
- Theft by somebody living in the home.
A receipt, a photograph and a serial number turn a report about a missing thing into a report about a specific thing. Nothing else does that job as well.