It’s a terrible feeling to come home and find that your property has been damaged or stolen by criminals. Burglary and vandalism are horrible acts that violate your privacy and security. Furthermore, they end up costing you money, because you have to repair the damage done to your home and replace whatever personal items that were stolen.
Florida homeowner’s insurance policies do cover theft damage. However, you must be careful about how you file your insurance claim because theft, burglary, and vandalism are listed as individual types of damage on most homeowner’s insurance policies. As a result, each event will require you to pay a separate deductible. You’ll have to pay a deductible for the vandalism, another deductible for the theft, and so on.
In the end, it wouldn’t even be worth the money to pay for all these deductibles, because they’re likely worth more than the affected property. The good news is that you can avoid this situation if you know how to file your claim properly. That’s where Louis Law Group can help.
Hire a Theft Damage Property Claims Lawyer
Our theft damage property claims lawyers in Fort Lauderdale specialize in helping people recover compensatory damages if their theft damage property claims were denied or underpaid. We can also refile your claim correctly so that you only need to pay toward one deductible, instead of several deductibles.
Theft damage property insurance is supposed to cover vandalism, burglary, and theft. Just so you understand the difference between these terms, let’s discuss them here. They are paraphrased from the Florida Association of Insurance Agents website.
Vandalism – Deliberate destruction of private property.
Burglary – The illegal entry of a home or building with the intent to steal possessions.
Theft – The act of actually stealing the possessions, which often coincides with burglary.
Homeowner’s insurance policies are supposed to compensate you for stolen or damaged property caused by vandals, burglars, or thieves. Whenever you claim that property was damaged or stolen, it must be valuable possessions such as cash, computers, firearms, jewellery, personal records, and so on. If you have receipts for any of these possessions, it will be easier for you to prove their value to the insurance company.
Contact Louis Law Group
Insurance companies may not always be quick to approve your theft claim. Some insurers may want you to provide proof that you owned the stolen items in question. That’s not always an easy thing to do, because most people don’t keep receipts for possessions they’ve owned for years.
Therefore, in this situation you need an experienced theft claim attorney in Fort Lauderdale to work with your insurance company. You should not have to settle for anything less than what you’re entitled to from your insurance company. The provisions in your insurance policy are supposed to cover vandalism, burglary, and theft. You don’t need to provide receipts for stolen property in most cases. We know the law – and your insurance company will learn that very quickly after they talk with us.
If you hire Louis Law Group to be on your side, you can be confident that we’ll work tirelessly to get you the compensation you deserve for your stolen or damaged property. Contact our office, call (954) 676-4179 today for free consultation.