We have the opportunity to see insurance claims every day. Each claim is unique due to every policyholder and circumstance being individual. There is not a simple solution to any situation that involves potentially or definitely making a claim with your insurance. We prioritize educating and explaining to every homeowner the state of their situation and all their potential steps forward. The questions and answers below were designed to hopefully give you direction on how to begin your road to recovery. At a minimum, you should know that your insurance company is a for-profit business that you are able to NEGOTIATE with. They have their own self-interest in mind, and understand how to move forward through every situation. It is up to you to stand your ground and dictate what your premium pays for.
What is Vandalism?
Vandalism is an intentional act that defaces, destroys, or otherwise damages another’s property without permission.
Is theft and vandalism an insurable claim?
Every policy is different and you should read the terms of the agreement to see if it is covered. It is up to the policyholder, to make sure that the authorities have all the information about your theft and/or vandalism claim. This will serve as proper support to back up the claim made to an insurance company. You should make a list of all stolen or damaged property. If you find out more items were stolen or additional damages are found you can always update your claim file at a later date. Contact us to get in touch with an insurance expert that can walk you through this journey.
How do I prove ownership of an item after it was stolen?
In most theft cases, your insurance will want you to prove ownership on any item that you have claimed to be stolen. Creating a list and knowing how to prove ownership is key in having success in these scenarios. You should make a spreadsheet with names and prices along with any proof of purchase or ownership. It’s always a good idea to make an inventory of items you own and take videos or pictures before a loss. Getting what you're owed won’t be easy no matter how detailed you are. Contact us to get in touch with an insurance expert that can walk you through this journey.
Tips to Preventing Home Theft and/or Vandalism
- Keep your windows clear of bushes and branches.
- Keep any exterior lights and/or motion detectors mounted away from easy reach.
- Check any alarm system regularly and make sure door locks, security cameras are all working.
- If you have sliding glass doors, consider investing in a specialized lock for them, as sliding glass doors portray easy entry.
- Make sure windows have working locks.
- Call the police if you see suspicious people or activity in your neighborhood.
- Notify neighbors when you're gone, have them be alert if they see flashlights being used in your home.
These last bits of information are something every property owner should be aware of, no matter the type of claim. The adjuster your insurance will send you has no training in construction or estimating. Relying on their opinion is the same as relying on your auto mechanic or barber on what it would cost to fix your damaged property. It’s also never the obligation of an insurance company to make sure that any repair restores the resale values of your property. Your insurance company's only obligation is to pay the claim. You should seek expert advice on how to have a successful insurance claim outcome.