After a theft or burglary, the loss of stolen or damaged property and the violation of your privacy can leave a sinking feeling in the pit of your stomach. However, you may soon find other headaches arise from burglary, vandalism, and theft claims as well. One of those is that the perils are listed separately on Florida homeowners’ policies. Which means if you do not file the claim correctly, you could find yourself paying separate deductibles for one event, or have your claim denied.
Insurance policies are written in legal and industry-specific terms which can make it hard for those on the outside to understand. However, the claims experts at the Louis Law Group are well-versed in insurance policy terminology. We can assist policyholders properly file claims to recover benefits for items and address property damage inflicted as a result of a burglary, theft, or vandalism.
According to the Florida Association of Insurance Agents, the definition of burglary, robbery, and theft are as follows:
These definitions have a direct connection in terms of the triggering insurance coverage under a standard homeowners’ insurance policy. Many Florida homeowners’ policies have built-in coverages for commonly stolen items, but there is a limit that the policy may pay out.
Those items are:
First, you will need to contact your agent or homeowner’s insurance company as soon as possible. You will also need to notify the police immediately before calling your insurance company. If there is any damage to your home or possessions during the theft, or if you need to make some “emergency” repairs” to protect you and your family from further theft or damage, your policy may cover the cost of these emergency measures. Before making repairs, contact your insurance company. It is the insurance company’s right to inspect the property in its damaged condition.
After you file a claim, the insurance company will review your policy, or a claims associate may visit your home to assess the damages. You’ll be asked to provide the following:
By providing a list of your items, you will help the claims process move faster. This list should include:
It’s essential to contact the police in any cases where the law was violated. Some examples would be theft, vandalism, or even suspected arson. Once you do this, contact your homeowner’s insurance agent, and they’ll assign an adjuster to that will follow up to answer any questions and collect additional information as needed. Many policies will cover items within your home due to theft. Review your policy as there may be limitations.