Nobody is really prepared for theft, not even the organizations or individuals that deal with carrying valuable goods that have a high chance of being stolen. They try to buy insurance policies to mitigate against the eventuality of theft situations.
In reality, it is very tricky getting a full payout when it comes to theft insurance claims because insurance companies place a limit to minimize the scope of coverage. It is very easy to get underpaid or denied theft insurance claims because it makes insurance companies very nervous as it is an easy way to fraud them and they try everything they can to find evidence of foul play even in situations where there's none. Having a public adjuster on speed dial gives you the play by play of what to do to get your full payout.
Compared to theft insurance claims, some insurance companies have standard insurance policies for vandalism as its coverage is less expensive. Insurers may want to challenge a vandalism claim on the basis of inadequate protective measures and maintenance in place to prevent vandalism.
First thing to do when such situations arises is to call the police as it adds more validity to your claim. In fact some insurance companies may outright deny your vandalism claim without a police report. Another thing is to prevent further losses and get professional help and advice on how to go about it from a public adjuster.
Broken windows can definitely be an happenstance. They can be caused by a bad weather or a break in. Don't fret, these incidents can be insured against. In majority of times, broken windows are covered under the homeowners property insurance and a claim can be filed if the situation comes up. Don't forget to have photo evidence and a detailed time logged report of the situation.
Having graffiti spray painted on your property is a harrowing experience and having your insurance company trying to play smart with you when the situation comes up is even more devastating. Graffiti on your property is a defacement and can it is counted as a property damage. It is a form of vandalism. There's a strong likelihood that your homeowner's insurance coverage covers protection from criminal activities, even though it may not have been a priority when you bought the policy. Depending on the specifics of your coverage, your claims might be subject to a deductible, but you can probably count on your homeowner's policy to contribute to the cost of graffiti removal.
Call 855-522-5246 to speak to one of our specialists at Invictus Public Adjusters and get a free consultation. We will fight your insurance company to get the best settlement offer for your vandalism insurance claim in Deerfield Beach or anywhere else in Florida. Get started with a free consultation! Never settle for less than you deserve!
