Burglary
Vandalism
Theft
Home/Business
Insurance policies were created to help an insured party recover from events that may have impacted their home and possessions. Insurance policies offer coverage for fire, wind, and, in some cases, water. Additionally, most homeowner insurances have coverage for theft and vandalism. When your possessions are destroyed or stolen by an intruder, most policies will cover you up to a certain amount. It is important that you understand your rights and your policy language. To provide yourself with the best path, consult with an effective and knowledgeable attorney with the experience you need to protect yourself. Prestige Public Adjusters has been a resource to the insured for decades. If your home has been burglarized or vandalized, contact Prestige Public Adjusters to protect your rights through the claim process.
Coverage limits and your policy
If you are the victim of theft or vandalism, you should carefully review your policy. In many standard policies, there are limits to how much the insurance company will pay. If items were stolen or destroyed that are not individually identified in your policy, the maximum limits provided may not cover the loss. Furthermore, your coverage may be subject to deductibles and other coverage limits. Simply put, your loss must exceed the amount of your deductible before the coverage is triggered. In addition, policies often set specific item or category coverage limits on more valuable items, no matter their actual worth.
The need for additional coverage
In some cases, your insurance policy is inadequate regarding your actual possession. If you are subject to coverage limits on items such as money, jewelry, antiques, artwork, electronics, or other valuables, you may need to consider purchasing additional coverage.
Obstacles you may face
If you are the victim of burglary or vandalism, you should contact the police immediately. You may have to provide your insurance company with the police report to prove that you were robbed or vandalized. When submitting a claim, you may face some obstacles to overcome. If your items were stolen, you may have to document what is missing and prove that you were the owner of said item. This is a good chance for the insurance company to take advantage and chip away at your claim. In addition, the limits on coverage can be a complicated topic and yet another way for insurance companies to pay less. Remember, insurance companies need to make a profit and paying you what you are owed is not always their focus.
Contact an attorney to protect your rights
When filing a claim for theft, it is important to consult with an insurance adjuster with significant knowledge of policy language and California state insurance law. Prestige Public Adjusters has decades of experience fighting for the insured. We understand what you are going through and we are here to help you through to a full recovery. If you are a victim of theft or burglary, contact Prestige Public Adjusters for a free consultation.
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Damage Covered:
- Water Damage
- Smoke and Ash
- Vandalism, Burglary
- Earthquake
- Fire and Wind Damage
