How to File an Identity Theft Insurance Claim

Identity theft insurance is considered a specialty insurance, but is offered by the most well-known insurance companies, including MetLife, Farmer's and Allstate. In 2002, more than 160,000 cases of identity theft were reported, according to the Federal Trade Commission. Use these steps to learn more about identity theft insurance and how to file a claim.

Instructions

1. Be alert about your money and identity. The key to controlling an identity theft situation is to be aware of the signs of identity theft. The earlier you catch the problem, the better.

2. Make a complete list of the stolen or lost property. This is one of the most important things you can do for both the insurance company and the police report. You will need not only a complete list, but a detailed description and the value of each item on the list.

3. Call your insurance agent. As soon as you notice something askew in your finances or with your identity, call the police and call your insurance agent. You will need to do a full police report with as much information as you can provide. You will also need a copy of this police report for your insurance claim.

4. Follow up. It is important to stay active in your claim. Provide any additional information or documentation your insurance agent may need, as well as any other lost or stolen property you notice at a later time.

Tips & Warnings

• If you already keep an inventory, it will be easier to assess what is missing when filing a claim. These inventories should be kept with other important documents in a safe deposit box.

• To help prevent identity theft the following documents should be kept in a safe deposit box, not in your home: birth certificates, Social Security cards, house deeds, car titles, property inventories, valuable jewelry and other valuable property that is approved by your bank.