Bay Area Crime Scene Damage Insurance Claim

Does Homeowners Policy Cover Crime Scene Damage?

In most cases, your homeowner’s policy will cover crime scene cleanup and damage that has been damaged. However, it is recommended that you review your insurance policy before you make a claim. If it doesn’t include crime scene damage, then you might consider getting an add-on policy that gives you coverage against such incidents.

How Much Coverage Will You Get Against Theft And Burglary?

The settlement you will get will depend on policy limits. Let us say that you have an insurance limit of $250,000 on your home insurance, and if the doors and windows of your home are damaged, then the value of the damage would be reimbursed if it falls within the limit.

However, for personal items, the limit would be different. In most cases, it is set at 50% to 70% of the homeowner’s insurance. For example, for $250,000 insurance, you would get coverage for personal property damage worth $175000 if your insurance mentions that you would get 70% of your limit.

There is also the subject of sub-limit. Certain types of property would have sub-limits. For example, you might have a sub-limit of $1500 for stolen jewelry. Then you would only be covered by that limit. Even if the value of the items is more, you will only get coverage till that limit.

You might have the option of scheduling certain items. For example, if you have a diamond ring that is valued at $6000, then you would get the amount if the item is stolen. This might be deductible from the total insurance amount, or it can be on its own.

You would need to get clarification on the coverage amount before you sign on the dotted line. Our team will help you review the coverage and make the claims accordingly.

The Different Types Of Damages Covered Under Crime Scene Insurance

The damages caused by crimes can be of different kinds. Thankfully, insurance companies understand this, and they cover different kinds of damages. Here are some of the different kinds of damages that are covered by such insurance policies.

The Process Of Making Bay Area Crime Scene Damage Insurance Claim

At Restoration Bay, we would help you throughout the process of making an insurance claim. However, at the start of the process, there are a few things that you should do yourself. Let us take a quick look at the process and see how you can get the claims on time and without any hassles.

1. Report The Crime To The Police Department

You might also need to contact the fire department if required. After completing their due process, they would give you a report. It is important that you keep the reports safely with you.

2. Contact Your Insurance Company

You need to share the details with the company and schedule an appointment with their adjuster. Make sure that you don’t remove any damaged items yet. If any personal belongings have been stolen, you might need to provide your home insurance company with the following information when possible:

• Where and when your purchase was made
• The estimated value of your item
• The item’s brand and model

To be certain about the value of your stolen items, your insurance company may request:

• Bank statements
• Credit card statements
• Photographs
• Receipts
• Serial numbers
• Guarantee

These might be provided online or in person when the adjuster visits your home.

3. Give Us A Call

We will visit your property to assess the damage and make a report ourselves.

4. If required, you might need to make emergency repairs. Your insurer might be making you an advanced payment for this. We will help you get the advance as required.

5. You would need to take photos and videos of the damaged areas and items. It is also a good idea to itemize the damaged items along with their value.

6. Let the adjuster visit your home and make the assessment. We would work with the adjuster to make sure the correct value is ascertained.

7. We will help you complete all the paperwork in due time and submit them to the insurance company in the specified format.

8. The insurance team would be contacted on a regular basis so to follow up on the status of the claims. You will be updated on the same.

9. When the claim is settled, we will make sure that all the final paperwork is correctly completed.