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- Contact the local Police Department
- Secure the home or business to prevent further damage
- Contact Labrador Claims Consultants for a FREE Consultation
- Take photographs of the damages
- Take an inventory of the damaged and stolen items
- Gather insurance policy and lease agreements if applicable
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- Attempt to clean or remove any damaged items
- Attempt to repair the home or business before an inspection from Labrador Claims Consultants and the insurance company
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The typical insurance policy extends coverage for vandalism and/or malicious mischief of a home or business. Unlike other damages that can occur to a home, there are unique aspects of this type of loss that require special attention and expertise. A loss caused by vandalism might not be covered by your insurance policy if the home or business is vacant for an extended period of time. In addition, the vandalism has to be intentional with the intent to damage the property.
Vandalism can occur to your rental property, home or business. Vandalism damage can include the following:
- Broken doors and windows
- Intentional damage to floors, walls and ceilings
- Graffiti
- Theft of personal property and appliances
- Water damage
- Loss of rental income
It’s important that you notify the police department and take photos of the damaged areas as soon as you discover the loss. Then contact Labrador Claims Consultants Inc. for a free evaluation of your loss.
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Vandalism
Labrador Claims Consultants is here to help you with your vandalism or theft claim.
It is more common than you think that a business owner or homeowner has to deal with vandalism and theft. If you have also been hit by a criminal who has destroyed or damaged your property, call your insurance company or a public adjuster to review your insurance policy coverage, and then decide if you should file an insurance claim. If you have coverage and the damage is extensive it will most likely exceed your deductible then file a claim as soon as possible. Most insurance policies include vandalism and theft, but in order to get enough money to cover for the repairs and losses, you have to make sure you do not destroy the evidence of the crime by trying to clean up and of the damages. Both the police and your insurance company must know exactly what has been destroyed or stolen.
So, the first thing you must do after you discover your property has been vandalized is to call the police. They will document the crime and help you seek out the criminals who stole personal property or destroyed your home.
The second thing is calling a public adjuster! A public adjuster will make sure you get a fair settlement from your insurance company to repair what has been destroyed. If you feel you were underpaid or denied on a claim all is not lost. A Public Adjuster will review your claim and if possible supplement the claim to provide you the settlement you deserved.
Contact Labrador Claims Consultants today for a free claim review!
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