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Package Theft & Filing Insurance Claims

Porch pirates are the worst... this is referring to the folks that steal packages from porches and doorways. These package theft situations are an increasingly common problem and have been costing people thousands in stolen items. Package theft is a growing problem, and ONIT Insurance has a few tips and tricks to help prevent this from happening in the future.



ONLINE SHOPPING IS THE NEW NORM

Studies show that 75% of Americans shop online regularly. With retail outlets slowing down and brick and mortar stores becoming less relevant, online shopping has long been accounting for a growing portion of the total market share. With billions of dollars being spend every year, we are seeing more and more theft taking place, and insurance claims getting filed.


AFTER A PACKAGE IS TAKEN

If you think you’ve had a package stolen from you, there are a few things that you can do about it. It’s normal to panic a little bit if you think you’ve had your Amazon package stolen, but take these steps before you worry.


CONFIRM IT WAS STOLEN

This sounds like an obvious thing to do, but search for your package before you freak out. Many of us get the notification on our phone that a package was delivered, and when you don't see the package sitting in their usual delivery spot, it can be deflating. It's best to do a quick survey around your front door, and in the bushes. Lighter bubble-wrapped packages can end up blowing off your porch.


I have personally ordered something from Amazon that was supposed to be delivered on a Monday. I received a notification that the package had arrived, but there was nothing at the front door. After messaging Amazon, they assured me the item was delivered. In fact, they claimed it was "left on a white cafe table ". While I don't have a white cafe table in my front yard, I do have one in my back yard, which is right where I found this package sitting, safe and sound!


CONTACTING THE RETAILER

While every company will have different policies regarding stolen packages, you can typically expect to either be offered a replacement or given a refund. For example, Amazon covers most of its packages with its “A-to-Z” Guarantee Protection. If you’ve made the purchase through one of the company’s affiliated sellers, you may be required to contact them first.

However, even if the company declines to replace or refund your purchase, there are still steps you can take to try to be reimbursed.


FILING A CLAIM WITH THE SHIPPING COMPANY

If the retailer tries to pin responsibility for the missing package onto the shipping company, your best bet is to file a claim with the shipping company directly. Luckily, UPS, FedEx and USPS all have online processes that you can use to report your missing item. However, be aware that you might be required to wait a few days for the item to arrive first.


CALL YOUR CREDIT COMPANY

Many credit card companies offer purchase protection for stolen packages, provided that you’ve used their card to make the purchase. Check the card issuer’s website for specific instructions on how to file a claim.


HOMEOWNERS INSURANCE CLAIM

If the stolen package is worth more than the deductible on your homeowners insurance, you can consider filing a claim. However, your insurance company might raise your premium as a result of the incident. While this is the last line of defense, let's talk about the first line of defense - A SMART HOME SECURITY SYSTEM.


Visit our partner company ONIT Smart Home to learn more about protecting your home with a home security system, video surveillance. You can get a smart home system with a video doorbell, with low monthly monitoring. Visit them online today to learn more: www.onitsmarthome.com

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