If you live in South West Florida, you know that vandalism is an unfortunately common occurrence. Whether it's your car being keyed in a parking lot or your home being egged on Halloween, it seems like there's always someone out there looking to cause damage. And while your homeowners insurance policy may cover some of the cost of repairing the damage, there are typically several exclusions that you need to be aware of.
The first exclusion to be aware of is intentional damage. If the vandal knew that they were causing damage to your property, then your insurance policy will not cover the repairs. This exclusion is in place because insurance is meant to protect you from accidents, not from people who are intentionally trying to harm you or your property.
Another exclusion is for cosmetic damage. This means that if the damage does not affect the functionality of your property, then it will not be covered by your insurance policy. For example, if your car was keyed and the paint was damaged but the car still runs fine, then your insurance company will likely not cover the cost of repainting it.
The last exclusion to be aware of is for loss due to neglect. This means that if you could have prevented the damage from happening in the first place but failed to do so, then your insurance company will not cover the repairs. For example, if your home was egged and the eggs damaged your paint but you did not power wash them off within a reasonable amount of time, then your insurance company may deny your claim because you neglected to take action that could have prevented the damage.
Vandalism is an unfortunate reality for many people living in South West Florida, but it's important to be aware of what your homeowners insurance policy does and does not cover. In most cases, intentional damage and cosmetic damage are not covered, and in some cases, neglect can also lead to a denial of coverage. If you have any questions about whether or not your particular situation would be covered by your insurance policy, don't hesitate to contact a professional public claims adjuster such as Five Star Claims Adjusting. We specialize in residential & commercial public claims, so let us maximize your insurance claim. Contact us to get started.