Two months ago, I took personal property to an ex-friends home. He moved and his whereabouts is unknown and with him went my property. My insurance company claims that my personal property is considered Covered. My insurance company has stated that in order to process a Loss, I must file a police report; the claim forms support this requirement.
Here is the problem: According to the Police Dept., they cannot take, nor may I file, a Police Report. The Police Dept. has stated that this situation is NOT a criminal matter; it is a civil matter known as a "Breach of Trust." Also, the Police have stated that my only recourse is to sue the person who took my property when he moved. And, I know that his act was deliberate as I tried to collect my property several times prior to his disappearance.
I have already informed my insurance company the circumstances surrounding this Loss.
Since a report is required by my insurance company, how can I possibly proceed with this matter?
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