There is tremendous variance with what will be 'required' to complete an insurance claim. In some cases a simple statement will suffice. In others, a police report is sufficient. In some cases the insurance company will want to 'investigate'. In many cases the underwriter will have some additional requests.
However it is always good to recognize the primary goals of the insurance parties - which is to not pay. They have strong incentives in that direction, and you providing proof of theft reduces the opportunities for those incentives to slow or reduce the payment.
It is especially true in cases of undeclared specific items, like an expensive mountain bike that you do not have a dedicated policy on.
However it is always good to recognize the primary goals of the insurance parties - which is to not pay. They have strong incentives in that direction, and you providing proof of theft reduces the opportunities for those incentives to slow or reduce the payment.
It is especially true in cases of undeclared specific items, like an expensive mountain bike that you do not have a dedicated policy on.