If you are the victim of burglary or vandalism, you should contact the police immediately, and may have to provide a police report when filing a claim. It is important to consult with an attorney with significant knowledge of policy language and State insurance law because the limits on theft and vandalism is a very complicated topic. There are limits to how much the insurance company will pay on many standard policies. If items were stolen or destroyed that are not individually identified in your policy, the maximum limits provided may not cover the loss. Furthermore, your coverage may be subject to deductibles and your loss must exceed the amount of your deductible before the coverage is triggered.
In addition, policies often set specific item or category coverage limits on more valuable items, no matter their actual worth, plus have to provide proof that you are the owner of the item(s) stolen. In short it is a very difficult claim process where legal support from Pandit Law will get you the best pay-out.