Home owner insurance denied our claim after someone broke in and robbed us, because of a police report sent to them by the police department that had nothing to do with the break in.

Location: Edgewood, NM

Incident Description: In January, our home was broken into, resulting in the theft of over $40,000 worth of personal property, including our children’s Christmas gifts. My wife and I were staying with her niece in Albuquerque due to power issues at our house. Upon returning on January 26th, 2025, we noticed our front gate had been tampered with, resembling a scene from a movie where bars were pulled apart. I instructed my wife to drive through the back gate, which we found wide open despite being chained and locked. As I inspected the house, I discovered the front storm door and window had been broken, with glass scattered around the Christmas tree. We immediately called the Edgewood Police.

Two officers arrived promptly. I explained the situation to the patrol officer while the sergeant took photographs. It’s important to note that my wife and I bought the house two years ago after I overcame a severe addiction, saving money for four years to make the purchase. Despite this achievement, we faced constant harassment from Edgewood PD. The officer made a comment suggesting the burglars were searching for drugs, which my wife sarcastically responded to. The officers continued their investigation and wrapped up the case.

Insurance Claim: The next day, I reported the break-in to our insurance company and compiled a list of stolen items, most of which had receipts. I submitted this list to the officer and the insurance adjuster. Three weeks later, I received the police report and forwarded it to the adjuster and claims evaluator.

Personal Struggles: Due to the ongoing harassment from Edgewood PD, I relapsed after four years of sobriety. On February 20th, I began treatment to recover. On February 28th, probation and parole officers conducted a home inspection and found drugs, leading to my arrest and transportation to Santa Fe County Detention Center.

Legal Advice Needed: The insurance company denied our claim, citing illegal activities contributing to the break-in. They referenced a police report dated February 28th, unrelated to the break-in. The report I obtained was dated January 26th and solely focused on the break-in. The insurance company acknowledged the discrepancy but maintained their decision. We believe Edgewood PD violated policy by releasing the unrelated report, infringing on our privacy.

Request for Assistance: We seek legal advice on how to proceed with the insurance claim and address the potential violation of policy by Edgewood PD.