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.
Why You Need An Insurance Attorney
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:
- Burglary – Felonious abstraction from premises, breaking and entering, visible marks on the exterior at the place of entry.
- Robbery – Forcible taking from a person by violence or fear of violence, including unconsciousness or death.
- Theft – Includes any act of stealing; broader than “burglary” and “robbery.”
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:
- Cash, money, and coins.
- Personal record, passports, credit cards, securities, account information, deeds, tickets, and stamps.
- Jewelry, watches, furs, precious, and semi-precious stones when lost by theft.
- Firearms and related equipment.
- Gold and silverware.
- Property used for your business. These limits are essential for anyone who works from home.
- Mobile devices, tablets, computers, gaming devices, software, and sporting equipment.
Contact the Louis Law Group
Did your Florida insurance carrier deny your theft claim or only pay a small portion of what is owed to you? Our team of insurance claims experts is ready to help you recoup the money you deserve. Contact the Louis Law Group today for your free consultation.