Understanding Theft Loss and Vandalism Claims in Missouri
While theft loss and vandalism claims are similar to filing any type of loss that occurs to a property, theft loss and vandalism claims require special attention to detail and expertise. When filing a vandalism claim, the following are some questions your insurance company will ask you:
- Did a theft/vandalism actually occur?
- Did the policyholder actually own or possess the items being claimed stolen, and if so, can proof be provided?
- What is the value of the item or items being claimed?
- Was there any related property damage such as broken windows, doors, locks, or equipment related to the theft or vandalism?
- Have you filed a police report?
- Do you have proper documentation to substantiate your claim?
In order for a vandalism claim to run smoothly, proper documentation is important. For example, if items are stolen from the property, you will need proper documentation to prove that the item was indeed in the property before the vandalism took place. This documentation could take the form of video, pictures, receipts, credit card statements, appraisals, insurance policy endorsements, etc. Try to provide as much documentation as possible to help prove the claim for theft with your insurance company.Its also a good idea to provide an itemized list of property items, so that there isn’t any discrepancy. Additionally, it will be essential that a police report be filed. This will prove to the insurance company that vandalism did occur at your residence.
[representyouinsurancepolicies]We recently have been helping homeowners and property managers handle vandalism claims in Kansas City, Missouri. For many vandals, copper wireing/plumbing and appliances are a hot commodity. We have helped property owners re-opened claims and renegotiation claims helping them get all the money the need to repair the property effectively. In addition we have helped homeowners and property owners from start to finish taking over the entire process so that everything is handled efficiently and effectively.
Although theft/vandalism claims are very common, they can be some of the most complicated and time consuming matters to resolve. Let a licensed professional from All American Public Adjusters guide you through the process.
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