Theft and Vandalism Insurance Claims Lawyer in Florida

Vandalism and Theft Insurance Claims Lawyer in Florida

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:

  1. Cash, money, and coins.
  2. Personal record, passports, credit cards, securities, account information, deeds, tickets, and stamps.
  3. Jewelry, watches, furs, precious, and semi-precious stones when lost by theft.
  4. Firearms and related equipment.
  5. Gold and silverware.
  6. Property used for your business. These limits are essential for anyone who works from home.
  7. 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? Contact us today, call (954) 676-4179 for a free consultation.

We help clients with theft and vandalism property claims throughout Florida

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"The Sunshine State"

If your property is located anywhere in the State of Florida and has been vandalized, the Louis Law Group can help you with an existing vandalism or theft claim or with filing a new claim against your homeowner's insurance company. Call (954) 676-4179 for a free consultation.

Frequently Asked Questions (FAQs)

What do I do when my property is stolen and damaged in Florida?

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.

What happens after I file a homeowner’s theft claim in Florida?

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:

  • Personal contact information.
  • Dates and details of the theft along with police report number.
  • A list of damaged or stolen items.

By providing a list of your items, you will help the claims process move faster. This list should include:

  • Where and when you purchased the item.
  • The item’s cost.
  • Brand and model of the item.
  • Copy of purchase receipts if you have these available. If possible, copies of photos or videos of the stolen or damaged items will also help.

Should I file a police report if my property damage was the result of a crime in Florida?

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.

Louis Law Group
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Based on 38 reviews
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ketty moleon
ketty moleon
21:04 17 May 20
We had a great experience with Louis Law Group. We had a Citizens claim for a roof leak. Citizen denied the claim and... refused to pay us. But this law firm got us money for our claim, we got our roof repaired and had money to spare. I couldn’t say enough good things about the lawyers and the staff.read more
thao Staszewski
thao Staszewski
22:28 20 Feb 20
Superb service Always informed me on each step Excellent result for client I would recommend this firm 1000%
Tee Tisdale
Tee Tisdale
22:52 31 Jan 20
My experience with Louis Law Group was excellent, We had a problem with getting payments for the damage to our home... with our homeowners insurance, we had to hire Louis law Group to handle this matter, what we thought would take a year or more turn out to be a few months. Our lawyer Mr. Joseph Wald and staff was wonderful, he communicated with us from the beginning to the end. Attorney J.Ward can have our business any day. We recommend Louis Law Group very highly. To the staff Hats off to you, keep up the good job! We are very happy with the final result. Thank You so much. Mr. & Mrs. T. Tisdaleread more
Elizabeth Mompoint
Elizabeth Mompoint
00:54 11 Dec 19
Pierre and his team are amazing! They really cater to you as a client and help you get the most from your insurance... company! Definitely would recommend!read more
Magalie Momplaisir
Magalie Momplaisir
00:17 11 Dec 19
I'm extremely pleased with the service I received from Louis Law Group. They're very professional. And they're willing... to go the extra mile to assist. I highly recommend them with anyone who needs to file a claim with there home insurance company.read more
A Chancy
A Chancy
16:46 21 Oct 19
Fighting with the insurance is the last thing anyone wants to tackle. The Louis law group is made up of sharp attorneys... willing to fight for you. We submitted a claim to our insurance company which they quickly denied. This law group picked up our case and was able to make the insurance company pay us for our losses. Although the process took awhile the firm made sure to keep us updated with all aspects of our case. I would highly recommend this firm to handle you battles with the insurance companies.read more
charstar
charstar
20:22 07 Oct 19
Excellent law firm. One of the best experience I have had, they put they’re clients first and work for you none stop.... I love the passion and dedication they have for there clients. I highly recommend Louis Law Group.read more
Louis Law Group .
Louis Law Group .
14:02 08 Oct 14
5 stars for Mr. Pierre he properly represented me as my property insurance lawyer and got me results.
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