Tackling A Theft & Vandalism Claim
We’ve discussed the damage claims associated with mother nature’s disastrous forces. We’ve also discussed claims as a result of leakage and unfortunate home accidents. But did you know that you can hire a licensed public adjuster to tackle theft and vandalism claims? The damage caused by burglars can be costly and take an emotional toll.
According to the Bureau of Justice Statistics, there are approximately 3.7 million burglaries that occurred every year in the U.S. There are several nuances within insurance contracts as they pertain to theft and vandalism claims and one has to examine “Theft” & “Vandalism or Malicious Mischief,” listed as two separate issues to be insured against. if this claim isn’t handled properly by a licensed public adjuster, you could run the risk of having the loss addressed as two separate claims instead of one, which would apply two separate deductibles.
What will help is having a solid police incident report. The cops could be a helpful aid in providing the details of the burglary. The police, and an adjuster working together, will allow you to recover benefits for items that were stolen or vandalized and to ensure that all damage is addressed.
Check out this list of what’s considered to be theft and vandalism property:
- Broken doors and locksets
- Broken window glazing and frames
- Damaged flooring materials such as: tiles, carpets, wood floors
- Broken fixtures
- Water damage resulting from the removal of appliances, mechanical units, plumbing systems
Theft is typically defined as property that is stolen. It’s important to note that there are a lot of limitations for items that are stolen. For example, here is a list of such items.
- Silverware, trays, trophies, & tea sets
- Jewelry & timepieces
- Firearms & related equipment
- Cash
- Electronic Apparatus such as tapes, players, or discs
- Items within a motorized vehicle when stolen
Vandalism or Malicious Mischief on the other hand, is the deliberate offense of destroying or damaging someone else’s property without their permission. Homeowners and policyholders often fail to truly recognize and identify the complexities that come with their damage. So do your homework, document, loop in the Police and call Proactive Claim Solutions to help you properly cope with the damage from burglaries.