Vandalism Insurance Dispute Lawyers


Vandalism damage can be difficult and costly to repair. People often think that vandalism means spray paint and broken windows. But, vandals cut through walls, destroy electrical wires, ruin floors and break pipes. Vandalism can result in flooded property and extensive damage. Property owners are forced to hire contractors, electricians, plumbers, and other repair companies to recover from vandalism damage.

Businesses can be shut down while repairs take place, and can lose income during that time period.  Homeowners can be forced to relocate while houses are made livable again.

Do insurance companies pay for vandalism?

Most property insurance policies are designed to cover vandalism damage. Some policies don’t cover theft damage when the damaged building was vacant. Insurance companies sometimes call vandalism damage "theft damage" so they can deny claims.  We see insurance companies classify buildings as vacant, when they weren't. Before denying, some insurance carriers will demand an Examination Under Oath to question an insured about the claim and the building. Even if a vandalism claim is ultimately paid, that payment not be enough to fully repair the damaged building.

Vandalism Insurance Claim Lawyers

Herman & Wells fights wrongfully denied claims and pursues full payment of underpaid claims.  We carefully assess claim denials to determine if they are wrong and obtain independent estimates for repairing vandalism damage.  We also provide legal counsel and advice to policyholders who are being investigated by their insurance companies.

If you are in the midst of the insurance company’s investigation or have had an insurance claim that has been denied or underpaid, please call us at 727-821-3195 to speak with an attorney about your legal options. You can also fill out the form to the right and an attorney will contact you directly.

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