事情经过是这样的，有天和男朋友以及室友一起下午四点多外出。出门的时候把房间里面唯一的一扇窗户打开了，因为在家里闷了一天出门没关。那个窗只能开一点点，因为房东是用一根小绳子和钉子固定了，没装safety chain。（我没注意过！）六点多回家发现窗户大开！绳子被剪断，房间里面的macbook pro 、两个名牌包还有一些别的东西被偷。小偷是从围栏爬进院子再从窗户爬进我屋子里面。 目前情况是保险公司收到了police report ，认为我没关窗不赔。
We advise we are unable to offer you settlement as the circumstances giving rise to your claim are outside the coverage of your policy. The information provided in support of your claim advises that the items were left in an unlocked and unattended building as the bedroom window was left open and you were not at the property at the time of the theft occurring. This circumstance fails to meet conditions e & f of Section 3 and all claims arising from this circumstance are specifically excluded from cover under Exclusion 11 applicable to Section 3.