Theft & vandalism claims
According to the Bureau of Justice Statistics, there are approximately 3.7 million burglaries that occurred every year in the U.S. Understanding the contract of insurance when dealing with theft and vandalism claims is imperative. Typically the homeowner’s insurance policy will list “Theft” & “Vandalism or Malicious Mischief “, as two separate perils to be insured against. In many occurrences, a property owner will incurred losses from both during the same event. If a theft claim or vandalism claim is not properly investigated and presented by a homeowner or policyholder, it is possible that the insurance carrier may consider addressing the loss under two separate claims, therefore applying two separate deductibles.
Identifying the difference between these two listed perils is what an experienced public adjuster will outline initially in the investigation of a claim. The importance of a descriptive police incident report is what will set your claim for a better outcome. Hiring an experienced public adjuster will not only help in recovering benefits for items that were stolen or vandalized, but also ensure that property damage that has been overseen as a result of the entry to the premise is addressed.
Theft & vandalism damaged 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. Property owners and claimants will find that the homeowners special form policy may have surprising limitations to items that have been stolen.
Personal items with limitations
- Silverware, trays, trophies, & tea sets
- Jewelry & timepieces
- Firearms & related equipment
- 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 offence of destroying or damaging someone else’s property without their permission. This is why filing a vandalism claim and hiring a public adjsuter is essential.
Tips on theft & vandalism claims
- Immediately contact your local police department and obtain an incident report
- Locate all related insurance policies (Property, Umbrella, Artwork & Antiques)
- Take initial photos and create a list of damaged property (Interior & Exterior of building)
- Immediately take steps to prevent further damage
- Locate any documentation supporting proof of ownership of stolen items (photos, receipts)
- Contact Floridian International Adjusters for a FREE CONSULTATION!
- Provide prompt notice of loss to your insurance company
- Develop a plan and claim management strategy with your public adjuster
Do I also have other property damage?
The initial documentation of your theft claim and vandalism claim for your damaged property is imperative in providing the evidence needed to create an initial presentation to your insurance company. Taking photos and videos with a smartphone or any other device will help solidify your claim and show important documentation of damaged property that may not be obtainable at a later time. Contacting an insurance claim professional such as a public adjuster is beneficial in the documentation of damaged property at the early stages of an insurance claim.
We find that homeowners and other policyholders at times fail to understand and identify the nature and extent of their damage. Our adjusters have the experience and trained eye that allows us to immediately understand the scope of repairs with clarity. Floridian International Adjusters will advise that the property be thoroughly investigated and tested where needed in order to identify damage unseen to the naked eye. It is imperative that such issues be immediately addressed and identified at the early stages of presenting an insurance claim for theft & vandalism residential losses.
Our public adjusters service the following areas
Floridian International Adjusters continues to expand into several regions of the US and abroad. Currently, our licensed adjusters can assist property owners with damage in the following locations:
|South Carolina||North Carolina|
Property loss consultants working for you!
Founded in a region known for it’s high risk of natural disasters such as tropical storms, hurricanes, floods, fires and other catastrophes. Floridian International Adjusters has become a known advocate for policyholders who have incurred the consequence of property damage to their homes and businesses. Our licensed public adjusters have represented and settled thousands of property insurance claims on behalf of property owners. FIA’s trained staff and adjusters come from many diverse backgrounds such as customer relations, architecture, emergency restoration, marketing, business administration and even from inside the insurance carrier side of the property insurance industry. The combination of these various disciplines gives the firm a competitive edge in excelling the practice of public insurance adjusting, property loss consulting and loss appraisal.
Floridian International Adjusters core principles center on the needs of our clients. Our careful representation and insurance claim management strategies provide your property loss claim with an opportunity to maximize the benefits of your insurance policy coverage in an efficient and pro-active manner. Understanding the nature of identifying damage and properly appraising the value of your claim is our specialty.