The typical Florida 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:

1. Broken doors and windows
2. Intentional damage to floors, walls and ceilings
3. Graffiti
4. Theft of personal property and appliances
5. Water damage
6. Loss of rental income

It’s important that you immediately notify the police department and take photos of the damaged areas as soon as you discover the loss. This will verify that the event happened and if the perpetrators are found, it can help with subrogation efforts. Contact Labrador Claims for a FREE evaluation of your loss.

Contact Labrador Claims at 407-733-9997 for a free inspection, if you suspect that a hailstorm has possibly damaged your home.

Our experts will:

• Inspect your property and document your loss
• Review your policy and coverages
• Handle all communication and meetings with your insurance company
• Ensure you are properly compensated for your loss

The insurance company employs adjusters to represent their rights, and so should you.

Try to have as much of the following information as possible available when calling us to file a claim.

To start the claims process, we will need the following information:

Policyholder information: Name of insured, address, phone number, e-mail and policy number
Description of loss: Time and date of loss, location of incident, detailed description of damages
Authority notification: Note all authorities notified (fire dept., police, etc.)
Damage Mitigation: Advise if you have already contacted any emergency service companies or performed any sort of damage mitigation.