Policy note
Theft and break ins in a semi detached house
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.
A semi detached house has one shared wall and one open side, and the conditions treat the two differently.
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.
- Things taken from a locked outbuilding, up to the amount the schedule names for it.
03
What it does not cover here
- Things that went missing with no sign of a break in.
- Theft by somebody living in the home.
- Things left in an unlocked shed, garage or porch.
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.