August 17, 2022
Filing a Vandalism and Graffiti Insurance Claim
If acts of vandalism occur at your home, your immediate reaction is anger-and maybe fear. Of course, that is natural. However, you also will want to repair whatever damage the vandals caused. Therefore, depending on the amount of damage, you will file a vandalism and graffiti insurance claim.
Does Homeowners’ Insurance Cover Vandalism?
The good news is that a claim for vandalism is covered-in most, but not all, circumstances. For instance, if you came home from a weekend away, and the vandals spray- painted the side of your house and broke a few windows, your home insurance company would likely cover the cost of repairing that property damage under your comprehensive coverage.
However, if you went to your summer beach house in May, and hadn’t been there since Thanksgiving the year before, your home insurance company would not cover damage caused in your absence.
In fact, if your home is vacant for over 60 days, standard home insurance won’t cover acts of vandalism.
In that situation, you should either add a vacant home endorsement to your homeowners’ policy or purchase a separate vacant home policy.
Likewise, if you run a business out of your home, you may not be fully covered if someone vandalized your home business.
Therefore, if you are running a business out of your home, add a business property endorsement to your homeowners’ policy.
Auto insurance would cover any damage to your car.
Lastly, if a storm or fire damages your home, you must make temporary repairs to protect the property from vandalism. If you don’t, and someone vandalizes your already damaged home, a claim with your insurance company for the additional damage might be denied.
What Acts of Vandalism Are Covered?
- Breaking windows and doors
- Damaging, shrubbery and trees
- Removing signs
What Should You Do if Vandals Damage Your Property?
First, call 911.
Then, file a police report. Also, get a copy of the report for your insurance company.
Then, take pictures of the damage. Of course, you will send them to your insurance company.
Next, file a claim with your insurance company.
Furthermore, make any necessary temporary repairs. For example, board up broken windows. Secure broken doors. Since your insurance company will reimburse you, keep receipts for the repair work.
Then file a claim.
Of course, include the police report and photos of the damage. Also, get repair estimates from contractors so you know how much the damage will cost to fix.
AllCity Public Adjusters Can Help When You Are Filing a Vandalism and Graffiti Insurance Claim
If vandals have victimized you and your family, your homeowners’ insurance policy covers the damage.
And don’t let the insurance company tell you anything different.
We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.
As a homeowner whose home someone vandalized, you have already gone through a tumultuous event.
We have helped dozens of clients with vandalism insurance claims. We can help you file the claim without editorial content and get the compensation you deserve.
At AllCity Adjusting we work to ensure you get 100% of your claim value. Equally important, with over 50 years of combined experience as insurance adjusters, we know insurance companies and understand where they cut corners.
Therefore, if you have filed a claim but only received a low-ball offer from the insurance company, or they are taking too long to process your claim, call us before you call a law firm. Call us at 844.692.3587. Or you can email us at email@example.com.
Best way to beat the insurance company is to hire AllCity Adjusting
At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
Real Support When You Need It!
Should You Make Your Own Insurance Claim Repairs?
Let’s say you had a small fire in your home. Faulty electrical wiring caused the fire. Of course, someone will have to tear down parts of the wall where the fire started. Then someone will have to hang new sheetrock and paint it. You’re pretty handy around the house. You’re thinking, should you make your own insurance claim repairs? Is there any way to get your insurance claim check faster?
What Are Some Common Business Insurance Claims?
Certainly, almost all businesses, from large corporations to mom-and-pop stores, will probably face some type of accident or incident that will become an insurance claim. Below we will discuss some common business insurance claims that businesses across the country must confront.Is there any way to get your insurance claim check faster?
How Does Home Repair Insurance Work?
Homeowners’ insurance will cover damage from unexpected and sudden perils, like hurricanes, fires, and hail. However, it excludes insurance coverages if the damage stems from everyday use and wear and tear to appliances, HVAC systems, etc. Therefore, if you feel you need insurance coverage for those items, you need to know the answer to the question: how does home repair insurance work?
How to File a Roofing Insurance Claim
Your roof is the primary protection for your home from the elements. Of course, the wind is probably the most dangerous element to your roof. However, roofs also get damaged by falling trees, electrical poles and wires, hail, and heavy snow. If a storm or some other unexpected event damages your roof, you will have to know how to file a roofing insurance claim.
How to Get Flood Insurance
Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.
commercial mold cleanup and restoration
If you have found mold in your business, you should be concerned. For instance, properly removing mold can be expensive and difficult to do correctly. Mold in your business can be dangerous for your health, and that of your employees, customers and visitors. However, commercial mold cleanup and restoration is necessary if you want to keep operating your business.
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