Have you been the victim of vandalism and property damage recently on your South Florida home or business?
Vandalism is defined as the: “willful or malicious destruction or defacement of public or private property; the act of deliberately destroying or damaging property.”
Most Florida homeowner’s policies treat vandalism and malicious mischief as the same type of damage claim. Property that is damaged and not removed from the resident’s premises is considered vandalized.Once a property is removed from the resident premises ( home or business ) it is considered stolen and would be covered as a theft claim if theft coverage is available on your property insurance policy.
Vandalism can occur during burglaries or robberies. Items removed from the house or business are considered covered under the theft coverage part of your policy, but damages to the house or personal property damage remaining on the premises can be considered as vandalism even though no coverage for theft exists.
We Can Help You Understand Your Options
Sound confusing? It can be. This is why you may want the help of SouthEast Public Adjusters, a public insurance claims adjuster based in Pembroke Pines and serving all of South Florida. Call us at (888) 811-5439 for a complimentary phone consultation. We’d be glad to help!
Landlords also see a lot of property damage and vandalism type claims; Tenants are evicted and in revenge damage the property. Vandalism is also caused by willful intent such as when a tenant modifies the property without your permission. An example willful intent is when your property is converted into a drug house either to grow marijuana or turned into a meth lab. If you did not approve of the changes to the property they can be considered as vandalism and the cost to repair the damage and restore the property back to normal would be covered under your property insurance policy.
Know Your Options – Speak to A Public Adjuster
Insurance companies tend to want to treat these property damages as normal wear & tear and attempt to deny these types of insurance claims. However the public adjusters here at SouthEast Public Adjusters have been very successful in getting these types of claims paid.
If you need help understanding your property insurance policy and what it does and doesn’t cover and need help making a vandalism claim or reviewing an existing claim, call us for a complimentary consultation at (888) 811-5439 for a complimentary consultation on your particular situation. Our main office is in Pembroke Pines, Florida. But we work throughout South Florida, from Miami to Hollywood, from Fort Lauderdale to West Palm Beach north to Stuart and beyond.