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Theft and Burglary Damage Claims
Imagine that you are just getting home from work after a long, hard day at the office. You pull up to your house and notice that the glass on your front door appears to be broken. You immediately get that sinking feeling in your stomach as you put your car in park and turn the key to the off position. Walking toward the door, you sigh heavily as you turn the knob and it opens. You didn’t leave it unlocked, but it is unlocked now.
As you walk through your home you notice that there are multiple things missing. There is no more big screen television, and most of your other electronics are missing as well. Room by room, you case the home. No one appears to be inside anymore, but they certainly left their mark.
Windows are broken in every room. Graffiti covers the wallpaper and there is broken furniture everywhere. Not only did they take your valuables, but they left you with quite a mess. Almost everything is damaged, and you can’t even imagine what it is going to take to get your home back to a livable condition.
Your first instinct is to start cleaning, but your better judgment tells you to contact authorities before touching anything. The police come and file a report while looking for evidence and fingerprints that may have been left behind. Of course, you want them to find out who did this, but more than anything you just want to be able to relax in your home after your tiring day.
That won’t happen. Since everything has been altered and your belongings are destroyed, you will have to find another place to stay. When everything settles, you contact your home insurance company.
The insurance company is very straight and to the point. They ask for your account of what happened, and for documentation of the incident (like the police report). A person is sent from the company to investigate the damages.
Seeing that you probably won’t be getting the quote that you had in mind, you pick up the phone. Who are you going to call? Contact your local Florida public adjuster to assess the damages and get you the most out of your insurance. Although not everything can be replaced, they will look into your theft damage and burglary damage policy areas to determine what you rightfully deserve, and get you back into the comfort of your home in the timeliest manner.