The traps · theft paperwork
Damage claims run on photos and deductibles. Theft claims run on a police report — and the requirement is discovered, by many customers, only when its absence becomes the denial. Here is the rule as the terms hold it, and the detail that matters most: the report and the claim must tell the same story.
The report is not a formality; it is graded against the claim. The date on the report becomes a loss date. The description in the report becomes the incident description. If the report says Saturday and the claim call said Friday, you have manufactured the #1 denial reason on this site — a loss-date discrepancy — out of two honest documents. File the report first, or keep its facts in front of you on the claim call, and use one date and one description everywhere.
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The pages above are the map. The kit is the paperwork: the trap map, the tables, the decoder, the complaint packs, and the worksheets that keep every number and clock in front of you.
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