If you have Florida homeowners insurance coverage and your home was vandalized, then yes, most policies generally cover instances of theft and looting. Keep in mind that your policy may have limits on certain types of property, such as jewelry, silverware and electronic equipment.
To find out what may be compensated after your home was vandalized, you should speak to your insurer and file an insurance claim after you have assessed the damages and made records of what was lost, damaged or destroyed.
If you have concerns about how your claim is being handled, you may want to seek assistance from a Florida homeowners insurance attorney. An attorney who has experience with Florida homeowners claims involving instances of vandalism can work with you to fight for a fair settlement that accurately reflects the extent of your loss.
If, for instance, an insurance adjuster underestimates the value of your claim, your Florida homeowners insurance attorney can negotiate with the insurer. If your home was vandalized and your claim was denied, you may choose to pursue damages in a lawsuit.
In a homeowners insurance claim lawsuit, your attorney can:
- interview witnesses and submit the testimony of experts;
- submit evidence that pertains to your case;
- attempt to show that your home was vandalized; and
- attempt to show that you have suffered damages, as well as show the value of those damages.
Those tasks are often very time-consuming and complicated for the average layperson to handle on their own without encountering serious headaches and challenges from the insurer.
Contacting a Florida Homeowners Insurance Attorney
The Florida homeowners insurance attorneys at Falk & Falk Law Firm know how important it is to you and your family to get the settlement you need in order to move on with your lives. Our homeowners insurance attorneys have experience in helping victims of hurricanes, pollution, theft, vandalism, fire, sinkholes and more to recover from their loss. An experienced attorney can help you to fight for the compensation that you need and navigate the tricky world of homeowners insurance in Florida. Contact us today – 305-742-0878.