Vandalism, Theft, & Accidents

Homeowners find vandalism and theft offensive because the loss leaves them feeling violated. Additionally, insurance providers first check to see if they can deny the claim based on occupancy or other policy requirements. Make sure a claims professional assists you in negotiating a vandalism or theft claim before your insurance company takes a look.

Vandalism

Vandalism occurs when a person damages someone else’s property by defacing it or adding a physical blemish that lowers its value. For example, if someone scratches or adds bumper stickers to your car, they have committed vandalism. Other examples include:

• Breaking a house’s windows
• Knocking down grave markers
• Carving one’s initials on public trees

Acts of vandalism can leave a homeowner feeling targeted and vulnerable.

Theft

Property theft, also known as larceny, occurs when a person takes an item from someone else’s property without permission. This crime has become more widespread because of the popularity of smart home technology, and hackers might be able to unlock a house’s front door.

One of the psychological effects of theft is trust issues. A victim might also become depressed if someone steals an item of sentimental value.

Accidental Damage

Accidental damage occurs when a person damages someone else’s home inadvertently. These are unintentional, one-off accidents that can harm the inside or outside of a property. For instance, if a child is playing baseball, and the ball smashes one of your windows, this constitutes accidental damage. Insurance policies typically exclude general wear and tear.

Your insurance company may tell you that your home or business’s damage is not covered, and they may minimize the situation. Let Hudson Douglas Public Adjusters review your claim to ensure you receive fair compensation.