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:
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.