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Apartment Broken Into

Saga

Banned
Came home for lunch today and found that my apartment had been broken into sometime in the last six hours hours.. called the police and they pulled in a unit to dust the windows and doors for fingerprints after taking my information and timing the police report.

I live on the second floor. There are two windows with internal locks and screens, and neither were unlocked or damaged. The building itself has TWO security entrances - there is an entrance to the building that you use a PassPoint card to access, and then there are individual entrances to each apartment that use another PassPoint card to access. All of these doors, the front door, and my apartment door, lock automatically, so there is no option or availability to lock or bolt the doors as they do so immediately upon closing. I am the only person with the key to my apartment and it always stays attached to the same lanyard as my work office security entrances so it is pretty much impossible for me to lose (security clearance must be carried at all times or I can very quickly lose my job).

I do many side-jobs building computers, and constantly get an influx of UPS/FedEx packages with (sometimes very expensive) electronic equipment. Aside from me, the only other person who could access my apartment are the apartment managers and their maintenance staff. I left for work at 5:15 AM CST, and came back to my apartment at 11:AM CST for lunch to find the living room and home-office completely ravaged and gutted, and many boxes with computer components, a 47" LCD TV, two laptops, and one desktop (just the tower, there are three wall-mounted LCD's that they could not apparently figure out how to remove, but the DVI cable was actually cut off so the KVM and towers could be removed quickly).

The police report does not look good, at all. Considering the circumstances of the situation it was very evident the officer thought I was attempting to call in a false robbery with his questions, and pointing out there was no trace of forced entry.

I've lived at this apartment for almost three years now, and the staff are all very familiar with the large number of packages I receive. I am fairly confident at this time that this is something done by the apartment complex employees, however I have no ability to prove this, at all. Considering the location is already protected twice by electronic entrances, I never felt it necessary to put cameras inside my own apartment.

I have a bad feeling that if I even attempt to contact my insurance company they will be less than willing to work with me on this issue as the police report specifically says there is no evidence of forced entry - which basically means that a few days before Christmas I am out somewhere in the range of almost $13,000 in personal possessions and contracted computer equipment that was a bid sale and I must now pay double for..

What possible options would anyone have to suggest? I had initially thought that perhaps the security doors on the building recorded the PassPoint ID# of the badge used for entry, as well as times of entrance, etc.. but upon inquiring at the front office they fed me a story about not being able to confirm if they keep track of building entrances (which seemed very odd for me, perhaps this was a legal issue?) without a subpoena to do so, and she even went as far as to say they "don't track the doors".. however I am familiar with PassPoint security entrances and I am relatively certain that all traffic is recorded at a location to watch for break-ins if one of the electronic locks sends a forced entry signal (something I am paying for with my very high rent..).

Before I contact insurance I need to make sure I have my ducks in a row. Police seem very uncooperative and appear to believe I am the culprit myself, disregarding my long standing clean criminal record and security clearance background checks nearly every six months. What options do I have, legally, to get access to the badge logs from my apartment manager, if any?

Sorry about the long read,

Cliffs:
1) Apartment has two individual electronic locks, automatic, no user error possible unless door is left ajar (unlikely, they have a pretty strong arm).
2) Leave at 5 AM, return at 11 AM to find apartment randsacked.
3) Police report determines no forced entry, do not appear to believe story.
4) Apartment management is evasive in regards to tracking who enters my apartment, and with what badge. Will not admit to even doing so regardless of the fact that this is the only way I have personally experienced PassPoint to work.
5) Need options to prove that someone else accessed my apartment or no insurance claim will ever hold weight and I will be out of a small fortune right before Christmas..
 
This is an incredibly inopportune time for this to happen. After spending a small fortune on Christmas gifts and banking my next months income primarily off the labor payment for the two jobs I was working on, it will leave me very thin financially for almost three weeks. While I will not shy away from the fact that this is directly linked to A) my own personal financial responsibility from getting excited buying people gifts, and B) the fact that I make most of my income off contracted work which makes my income fluctuate drastically, it does not hide the fact that any decent lawyer will ask for somewhere between 3-5 grand as a down payment for something like this. In my experience lawyers do not take kindly to credit, which basically means just to inquire for the legal advice I need I will effectively be eliminating any buffer I have financially for the next month or two.

Add in any unexpected expense over a grand and I could tank. It's an extremely frustrating situation to be in.
 
The only way you're going to get access to those records is if you go through your insurance company and have them handle it. The insurance company will put in the time and effort and have their legal department handle things.
 
Originally posted by: BigJ
The only way you're going to get access to those records is if you go through your insurance company and have them handle it. The insurance company will put in the time and effort and have their legal department handle things.

My biggest concern with this was the fact that the officer writing the police report essentially (well.. as vaguely as possible without outright saying it) said it would be a very bad idea to try and file an insurance claim given the lack of any circumstantial evidence.

I'm trying to determine the best course of action that keeps me financially stable considering the immediate loss.
 
Originally posted by: Izusaga
Originally posted by: BigJ
The only way you're going to get access to those records is if you go through your insurance company and have them handle it. The insurance company will put in the time and effort and have their legal department handle things.

My biggest concern with this was the fact that the officer writing the police report essentially (well.. as vaguely as possible without outright saying it) said it would be a very bad idea to try and file an insurance claim given the lack of any circumstantial evidence.

I'm trying to determine the best course of action that keeps me financially stable considering the immediate loss.

Worst case scenario, they deny your claim and you have to talk to a lawyer anyway. If you're completely honest (tell them that you believe it was an inside job, how you believe their system records ID#s when entering an area, etc) you may have a chance for the insurance company to go after these people.
 
File a claim and see what happens. Most insurance companies don't inspect theft claims. The claim is handled by phone. Worst that can happen is they deny the claim. If claims is denied then appeal or seek advise from atty.

 
Originally posted by: BigJ
Originally posted by: Izusaga
Originally posted by: BigJ
The only way you're going to get access to those records is if you go through your insurance company and have them handle it. The insurance company will put in the time and effort and have their legal department handle things.

My biggest concern with this was the fact that the officer writing the police report essentially (well.. as vaguely as possible without outright saying it) said it would be a very bad idea to try and file an insurance claim given the lack of any circumstantial evidence.

I'm trying to determine the best course of action that keeps me financially stable considering the immediate loss.

Worst case scenario, they deny your claim and you have to talk to a lawyer anyway. If you're completely honest (tell them that you believe it was an inside job, how you believe their system records ID#s when entering an area, etc) you may have a chance for the insurance company to go after these people.

I appreciate your advice, and I most definitely see the logic in what you are saying. I am simply attempting to ascertain if this information can indeed be gained. Knowing the American legal system and how basically anything is possible, I do not have the personal time nor finances to devote to ongoing litigation over insurance issues if the insurance company deems there is no proof, and in turn begins to investigate me for possible insurance fraud. To this end I want to be damn sure that I can prove my case before I bring it to someone else, and am attempting to determine what other methods I can use to obtain these records.

The cold hard facts are if these records are indeed not kept and I have nothing to prove my claim, the insurance company may come after me to regain their financial loss for the investigation - as in my experience these organizations only care about themselves, not the customer. And any criminal inquiry on me will show on my next security clearance check and would be legitimate reason to terminate me from my position where I work. It would almost be more financially sound to me to simply take the hit and move on with life than it would be to open an investigation with no evidence..
 
Originally posted by: BigJ
Originally posted by: Izusaga
Originally posted by: BigJ
The only way you're going to get access to those records is if you go through your insurance company and have them handle it. The insurance company will put in the time and effort and have their legal department handle things.

My biggest concern with this was the fact that the officer writing the police report essentially (well.. as vaguely as possible without outright saying it) said it would be a very bad idea to try and file an insurance claim given the lack of any circumstantial evidence.

I'm trying to determine the best course of action that keeps me financially stable considering the immediate loss.

Worst case scenario, they deny your claim and you have to talk to a lawyer anyway. If you're completely honest (tell them that you believe it was an inside job, how you believe their system records ID#s when entering an area, etc) you may have a chance for the insurance company to go after these people.

Yeah, I'd think it would be your insurance company's duty to at least look into your claim before approving or denying it...because if they do deny it I'd sue them.
 
Originally posted by: BigJ
Originally posted by: Izusaga
Originally posted by: BigJ
The only way you're going to get access to those records is if you go through your insurance company and have them handle it. The insurance company will put in the time and effort and have their legal department handle things.

My biggest concern with this was the fact that the officer writing the police report essentially (well.. as vaguely as possible without outright saying it) said it would be a very bad idea to try and file an insurance claim given the lack of any circumstantial evidence.

I'm trying to determine the best course of action that keeps me financially stable considering the immediate loss.

Worst case scenario, they deny your claim and you have to talk to a lawyer anyway. If you're completely honest (tell them that you believe it was an inside job, how you believe their system records ID#s when entering an area, etc) you may have a chance for the insurance company to go after these people.

This is typically the case ONLY if the police report specifically has a check by that little box that says "Forced Entry:" and asks for a description.
 
Cops love to blame victims. So I am sure the insurance company has heard it before. That and even if they think it was you that is good. They will try and prove it was you or you are lying. If they get the door records and shows it was someone else then it helps you 2 fold.

When someone broke into my old Buick and took my radio I called the cops. The cop pulled on my door handle and was literally moving my car. I thought the door handle was going to come off. He then asked questions like you describe seeming to think this was a insurance scam. I had to tell him several times I do not have full insurance and I will not have a claim. i.e. I get no new radio. Heck I even told him the radio was very cheap and old. Needless to say he did not seem to believe me. Of course in the next 2 weeks about 10+ cars were broken into after mine. Of course the cops did not patrol the area after mine of the next 2. It was only after 5 were broken into in 1 night. And no they did not catch anyone.
 
Originally posted by: Izusaga
Originally posted by: BigJ
Originally posted by: Izusaga
Originally posted by: BigJ
The only way you're going to get access to those records is if you go through your insurance company and have them handle it. The insurance company will put in the time and effort and have their legal department handle things.

My biggest concern with this was the fact that the officer writing the police report essentially (well.. as vaguely as possible without outright saying it) said it would be a very bad idea to try and file an insurance claim given the lack of any circumstantial evidence.

I'm trying to determine the best course of action that keeps me financially stable considering the immediate loss.

Worst case scenario, they deny your claim and you have to talk to a lawyer anyway. If you're completely honest (tell them that you believe it was an inside job, how you believe their system records ID#s when entering an area, etc) you may have a chance for the insurance company to go after these people.

This is typically the case ONLY if the police report specifically has a check by that little box that says "Forced Entry:" and asks for a description.

Well to prove that you're filing a false insurance claim, they'd have to look into the security cameras to see you removing all the property you're claiming, they'd have to get logs of the PassPoint system, and they'd have to interview the people in the building. This is the same evidence they would need to prove it was an inside job.
 
With as much money as your apartment complex spends on electronic security, you'd think that they'd have a few cameras. At least covering the parking lot. 😕

Good luck. 🙁
 
Thanks a ton for the advice, this is usually whey I tend to get a second opinion on things that baffle me. It never really occurred to me that to file a claim either way they would have to investigate the logs. I appreciate the information, and I'll be calling to file the claim ASAP. =)

Edit: Not to mention after just getting robbed right before Christmas, it's hard to sort of think straight.
 
Well, I would think that your workplace would be able to verify where you were for at least 5 or so of those 6 hours that day.
 
Originally posted by: Rock Hydra
Well, I would think that your workplace would be able to verify where you were for at least 5 or so of those 6 hours that day.

This is also true. In addition to the onstar logs on my truck which uplink location via GPS satellite.

Feeling a lot better already. =)
 
If you work with other people they should be able to prove that you were at work when it happened.

The fact that people knew that you had expensive stuff going through there pretty much tells me that it is an inside job.

I?m sure the building does have records of entry. They don't want to admit it because they know that you will be able to sue their asses. Look on the net for information on the system they use. You should be able to find out its capabilities.
 
Originally posted by: Izusaga
Originally posted by: Rock Hydra
Well, I would think that your workplace would be able to verify where you were for at least 5 or so of those 6 hours that day.

This is also true. In addition to the onstar logs on my truck which uplink location via GPS satellite.

Feeling a lot better already. =)

Glad your mind is more at ease. Best of luck to you.

My daughter goes to UNO so I was dismayed to read of your plight.
 
Originally posted by: Izusaga
Originally posted by: Rock Hydra
Well, I would think that your workplace would be able to verify where you were for at least 5 or so of those 6 hours that day.

This is also true. In addition to the onstar logs on my truck which uplink location via GPS satellite.

Feeling a lot better already. =)

Well, that's good.

Seems like filing a claim is looking like a better and better idea.
 
I appreciate the information, and I'll be calling to file the claim ASAP. =)
I feel this is definately the way to go. It sounds like you can prove you were nowhere near the robbery site when it occurred. 13 Grand would be a sizeable hit. Quite a bummer, and I wish you great luck with this.
 
I suppose my next course of action will be to identify the best way to protect myself from future incidents until I am able to break off from the lease. It's extremely saddening since this is the best run apartment complex I have ever been in, not to mention (up until now) the safest and most secure..
 
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