Title.

Its stated that you're insured for up to € 100k of value against extortion ($5 Dollar 🔧), theft or natural disasters (think 🔥).

That's fine and all, but how does one proof that one's actually been robbed / extorted?

To me, it seems easy to fake such an event; how does such an insurance party prove whether one's telling the truth, and thus, paying said owner out?