Having your home broken into and your cherished possessions stolen is a traumatic experience. You feel violated and fear for your family’s safety. Along with the stress of dealing with law enforcement, you may also have to contact your insurance company. Many of them offer coverage for break-ins and theft damage. The policies can include coverage for personal property damage, dwelling coverage, or other structures. If your property has been damaged or you’ve had items stolen, we can help you work with your insurance company if it denies your claim.
This type of coverage helps you pay for any repairs or replacements of your belongings if they are damaged or stolen. If someone breaks into your home and steals items, this coverage may help you replace them.
If your home or property is damaged due to a covered peril, this coverage will help pay for the repairs. For example, if you may be covered if an intruder breaks a window or damages a door. Check your policy to see exactly what it covers.
If a part of your property is detached from your home, it may be covered by your insurance policy. For example, if your shed or garage is damaged due to a break-in, your insurance may help pay for any repairs.
What is theft? Theft is when a person knowingly obtains, uses, or endeavors to use the property of another. It is done with the intent to either permanently or temporarily deprive the other person of a right to property or benefit from the property. Property crimes may also be listed under categories like vandalism, shoplifting, burglary, and even larceny.
Once everyone is safe and calm, follow these steps to make sure your claim process runs smoothly:
Even with clear evidence to support your position, your theft claim can still be denied. Keep in mind that insurance companies are for-profit businesses. They will always try to pay out as little as possible. Your insurance company will also send out an adjuster who will often overlook damage or purposely disvalue your stolen items, which lead to your claim being underpaid. Weak property security may be exploited, even though it is irrelevant to the claim.
If your claim is denied or underpaid, an experienced property theft attorney from Louis Law Group will stand up for your rights to get you the compensation you deserve. Being burglarized is stressful enough – you definitely don’t need a denied claim or a check for less than you’re owed. But you can rest assured that we will help you get your items and property repaired and replaced by working hard on your behalf. If you feel your theft damage claim was unjustly denied or underpaid, contact Louis Law Group at (954) 676-4179 for a free no-obligation consultation or case evaluation.