Miami Theft & Vandalism Claims Lawyer
Need Help with a Theft or Vandalism Insurance Claim in Florida?
When your property has been stolen or defaced, it can lead to many challenges and negative emotions. Though the last thing you probably want to do is deal with an insurance company, the sooner you file a theft or vandalism claim the better. Fortunately, you don’t have to do it alone.
At The Property Advocates, P.A., our experienced legal team handles all aspects of theft and vandalism claims in Miami and the surrounding areas. Before calling your insurance company, contact us. We will help you look over your policy to determine what is covered, inform you of your legal rights, and help you determine whether legal help is right for you during a free consultation. If you choose to hire our theft and vandalism claims lawyers in Miami, we can investigate and file your claim on your behalf as well as bring a lawsuit against your insurance company in the event of bad faith. We can also appeal denied claims. Whether your insurance claim is minor or complex, we are happy to ensure you receive the fair and just compensation you deserve from your insurer.
What Is Covered Under My Policy?
If your home or other property has been affected by thievery or vandalism, the first thing you should do is talk to the police. These actions are crimes and should be reported to the proper authorities so they can begin conducting an investigation.
Crimes that may be reported that you can also file an insurance claim for include:
- Burglary: A felony charge that involves breaking and entering, meaning that the intruder left visible marks on the property at the place of entry.
- Robbery: The act of forcibly taking something from a person using violence or the fear of violence, including cases that result in a victim’s unconsciousness or death.
- Theft: Theft includes any act of stealing making the term broader than the previous two.
- Vandalism: The deliberate defacement or destruction of a structure or other property, including graffiti.
The above are how insurance companies will likely classify your claim under a standard homeowners insurance policy. Fortunately, most Florida homeowners insurance policies have built-in coverages for items that are commonly stolen, although there may be a limit to how much the policy pays out. If you have questions, reach out to experienced Miami theft and vandalism claims attorneys at The Property Advocates.
What Items May I Be Reimbursed For Under Theft?
Items that you may be able to be reimbursed for include:
- Account information
- Credit cards
- Firearms and related equipment
- Gold and silverware
- Money (cash, coins, etc.)
- Property used for business/working from home
- Sporting equipment
- Electronics (mobile devices, tablets, computers, gaming devices, software, etc.)
- And more
However, before you contact your insurance company to file a claim, we recommend consulting with a local theft lawyer in Miami to discuss your policy and options.
How Can I Start a Claim for Stolen Property?
Talk to a theft claim lawyer in Miami near to know if you have the right to make a claim for property that was stolen or damaged.
To begin a claim, make sure to do the following:
- Make a list of all of the items that were stolen
- Provide information about where the stolen items were purchased and how much they cost. Provide original receipts, if possible
- Provide specific details, if possible -- for example, the brand of the stolen items or model numbers
- Provide pictures of the stolen or damaged property
What is Classified as Vandalism in Florida?
In Florida, vandalism or criminal mischief is willfully and maliciously destroying property belong to another person.
Knocking down or removing street signs
If your property was damaged vandalized, reach out to an experienced vandalism claims attorney in Miami near you at The Property Advocates, P.A.
Even though events such as theft and vandalism are covered under most policies, there remain potential pitfalls and hurdles when it comes to actually filing a claim. One of these is that perils such as theft and vandalism may be listed separately on Florida homeowners’ policies. This means that if you do not file the claim correctly, you could find yourself paying separate deductibles for one event—or even have your claim denied.
This is why it is best to consult with a lawyer near you who is experienced in such matters. Most law firms that assist with insurance matters offer free consultations, so you can discuss your claim with someone who understands insurance policies to ensure you have a thorough understanding of your process and rights before you get started.
While it is best to contact an attorney before you call your insurance company, we are able to step in at any stage of the claims process—even if your initial claim has been denied. We can handle the entire claims process for you so that you can focus more on taking care of your family and your own well-being after being the victim of- theft or vandalism.