Experiencing theft on your own property is upsetting. A thief can rob you of thousands of dollars worth of valuables. In some cases, they may steal precious heirlooms or other things of sentimental value. When someone steals from your home, business, or condo, your insurance company may cover the damages.
However, the last thing you want in this situation is to handle an insurance company, and it would be in your interest to file a theft claim as soon as possible. Insurance companies will do everything in their power to delay, deny or devalue your claim, and will engage in underhanded tactics to trick you.
This is why you need to enlist a seasoned Miami theft lawyer to assist you through the process. At Klotzman Property Damage Law, our attorneys will fight to protect your rights and recover every dime that’s owed to you. We know how complicated theft claims can be.
We have been facing insurance carriers on behalf of residents in Miami for decades and are aware of the tricks and antics they use to lowball or completely deny your claim. We will always aim to maximize your compensation.
To talk with one of our Miami property damage lawyers at Klotzman Property Damage Law, please call 954-915-7405 to get a no-cost initial consultation.
Types of Property Theft
The different types of property theft and other offenses are contingent on the stolen property’s value. Extra factors like the existence of a supposed victim or the use of a lethal weapon with intent can be aggravating factors.
The skilled theft attorneys at Klotzman Property Damage Law can victims with insurance claims after incidents such as:
- Criminal mischief
- Grand theft
- Petit theft
- Shoplifting/retail theft
- Criminal trespass
- Auto theft
- Dealing in stolen property
- Exploitation of the elderly
- Scheme to defraud
We know how complicated theft claims can be, and our attorneys have helped many clients get the payout they deserve from insurance companies.
What Should I Do After a Theft?
If your condo, home, or commercial property has been the victim of burglary or any form of theft, chances are that you’re feeling stressed out, and perhaps violated and you may be confused about what next steps to take.
In many circumstances, homeowner’s insurance may recoup your stolen belongings. Nevertheless, it’s crucial that you take the necessary steps to safeguard your rights.
What’s the next course of action after discovering you are the victim of theft or burglary? First off, if you suspect that the perpetrators are still on your premises, get to safety.
Call the Police
You need to call the police after a theft so that a police report can be filed. You should be sure to obtain a copy of the police report from the Miami Police Department. Check for any missing information or errors, and ask the police to update the report if needed.
Avoid Touching Any Property
Wait until the police arrive before touching anything in your home. The idea is to avoid tampering with a crime scene. The police will look for DNA, fingerprints, or/and footprint evidence.
Take Photos and Compile a List of Missing Items
Take pictures of any structural damage to your property. Make a list of anything that was stolen or destroyed and include receipts and/or other supporting evidence documenting the value of the stolen property.
Consider enlisting an independent adjuster to evaluate the damage.
Inform Your Insurance Company
Inform your insurance company immediately and provide the crime reference number given to you by the police. Do not forget to provide a list of all the items stolen and the damage caused.
Contact a Theft Claim Lawyer
If you proceed to file a theft claim without following the aforementioned steps, it’s more likely that your claim will be rejected. One small error can entirely derail your case. To avoid this and improve your chances of getting reimbursed for losses, you should enlist a theft lawyer to help you.
For effective legal representation when pursuing your theft insurance claim, contact Klotzman Property Damage Law now.
Is My Property Protected Against Theft by Insurance?
If you’ve been a theft victim, your homeowner’s insurance policy can assist you in replacing your stolen things. Your coverage can also assist you in covering property repairs as a result of theft damage. Nevertheless, you should note that some kinds of theft aren’t included in the homeowner’s coverage.
The following are three types of damage a home insurance policy generally covers in case of theft.
- Personal property coverage – The insurance company will replace or repair any personal property that may be damaged or stolen after a theft has occurred.
- Dwelling coverage – The insurance company will pay for any damage to your property or house that was a result of the theft. For example, a broken window or door.
- Other structure coverage – The insurance company will pay for the repair of any detached structure that was damaged during the theft. For example, the shed door.
It is highly important to know if you are covered for ACV (Actual Cash Value) or RCV (Replacement Cost Value).
The difference between the two is straightforward. ACV involves reimbursement for the amount of a stolen or damaged item based on its current worth. RCV involves reimbursing the amount it would cost to replace the same product in the current market.
What if My Insurance Denies My Theft Claim?
It’s not surprising to see an insurance company deny your theft property claim immediately. When they do this, they are required to present you a written reason for their stance, but won’t do that unless you affirm your rights.
You don’t have to give you just because your claim was denied. Our Miami theft lawyers understand the tactics used by insurance carriers and we will fight to protect your rights.
We will do an independent investigation of the case with our own team, scrutinizing any piece of evidence including the police report and CCTV footage. We work with financial experts to establish the full value of items stolen and give your claim a figure. Finally, we will negotiate with the insurance carrier for an appropriate settlement amount.
If negotiations fall through and we don’t come to an understanding, we are more than ready to head to court and fight for your rights in a court of law. So, if your theft insurance claim has been denied, we can contest the decision and ensure that the insurance carrier doesn’t get away with pulling the rug under you unjustifiably.
How Can a Miami Theft Lawyer Help Me?
When filing a theft insurance claim, many factors influence if your claim will get accepted and the compensable amount you get. Our attorneys at Klotzman Property Damage Law in Miami, Florida take all the requisite steps and legal measures to get the most out of your insurance claim.
Some of the ways we can help include:
- Going over the fine print of your insurance policy and establish the type of coverage you have
- Evaluate the scope of damage
- Determine the value of stolen items
- Get an unbiased appraisal if need be
- Handle communications with insurance provider representatives
- Carry out negotiations with the insurance carrier for a fair compensable amount
- Represent you in court
It is crucial to keep in mind that the insurance adjuster sent to your business or home will try to trick you into accepting a lesser amount than you are owed, or even get you to make a mistake that denies your claim entirely.
Due to this, you should consider enlisting an experienced theft attorney to advocate for your rights as a valid policyholder. We at Klotzman Property Damage Law want to help you with your claim. Give us a call today!
Contact Klotzman Property Damage Law Today!
If your place of business or home was broken into and your things were stolen, a qualified theft attorney in Miami may be in a position to assist you in successfully filing a theft property damage claim. Reach out to Klotzman Property Damage Law for help getting the recompense you deserve.
We don’t charge you anything for a consultation and case review. Call 954-915-7405 now!