Property and Casualty Insurance Practice Exam

What must be demonstrated for a burglary claim to be valid?

1. Proof of forceful entry or exit

2. A witness to the crime

3. Video surveillance of the incident

4. Insurance policy number verification

The correct answer is: Proof of forceful entry or exit

For a burglary claim to be valid, it is essential to demonstrate proof of forceful entry or exit. This requirement stems from the nature of burglary itself, which is defined as the unlawful entry into a building or property with the intent to commit theft or another crime. The emphasis on forceful entry or exit reflects the fact that simply unauthorized entry does not constitute a burglary unless it is accomplished by overcoming obstacles, such as locks or barriers. While having a witness or video surveillance can support a claim, they are not strictly necessary to prove that a burglary occurred, as the primary focus is on the act of unauthorized access. Verifying the insurance policy number, although important for processing the claim, does not relate to the substance of the burglary itself. Therefore, demonstrating that force was used to gain entry or exit is a fundamental criterion in establishing the legitimacy of a burglary claim.