Homeowners all dread the idea of finding spray paint all over their siding or other forms of defacement when they return from a hard day at work. If you've been the victim of vandilism, you must take immediate action to secure help from your homeowners insurance company. Failing to report the crime and record the damage could cause you to cover the costs on your own.
Take lots of photos and video recordings of the damage before touching any of it. Call your local law enforcement office and report the crime so there's a record. If the vandals are found, the insurance company may not have to pay for repairs on your behalf. Your insurance company will also want to know if you were residing in the home at the time. Vacant homes are magnets for vandalism and damage, so many insurance plans include clauses that eliminate support for properties that are unoccupied.
If you're concerned that your contract is too restricting against claims for graffiti and other damages, contact Little and Sons Insurance Services for a more comprehensive solution. Investing in a new homeowners insurance policy could make you supported when vandals leave unpleasant words on the side of your garage.
