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Homeowners’ Insurance and Break-Ins in Florida

Our Miami Homeowners’ Insurance Lawyers Explore Coverage for Break-In Related Damages

Nothing is more frightening than coming home and finding your house has been burglarized, or even worse, being home while someone enters your home illegally.  According to the FBI, there are more than 1.1 million residential burglaries across the United States each year.  Burglaries can result in considerable damages which your homeowners’ insurance may cover.  At Greenberg, Stone & Urbano, our homeowners’ insurance lawyers assist homeowners with claims for burglary related damages.  We know that recovering the funds you need for your burglary related damages can be difficult.  With our help, you can rest assured that your claim meets all deadlines and is backed by the evidence you need to support your claim for losses.

Property Damage Due to Burglaries

Break-ins can result in a wide array of damage to your property. Burglars may break doors, windows, and latches.  Burglaries might also break or steal your personal property.  At times, burglaries can even lead to injury of home occupants. 

What to Do After a Burglary

If you return home to find your property has been burglarized, you should act fast to contact the police.  Local law enforcement officers will be dispatched to the home to generate a burglary report and document any missing property or damaged property.  Your next step should be a call to your homeowners’ insurance company.  It is important that you provide your insurer with prompt notice of the burglary and associated property damages.  You will want to call our Miami homeowners’ insurance attorneys at Greenberg, Stone & Urbano as soon as possible for assistance with filing your claim.

Coverage for Property Damage or Theft

The good news for anyone who has been burglarized is that homeowners’ insurance will typically cover damages to your home or theft of your possessions.  Check your homeowners’ insurance policy to determine your precise coverage and policy limits.  You will want to document all damages stemming from the break-in with photos or video.  Generally, you should not repair damages until your homeowners’ insurance inspector has been dispatched.   However, you can make emergency repairs to protect your home from further damages, including replacing broken window panes or door locks.  Be sure to save your receipts so that you can seek reimbursement for these repairs.

To obtain damages for your stolen property, you should try to find photos or other evidence that would testify to the property’s damages.  Receipts from the purchase of the item are helpful if you can find them.  Our homeowners’ insurance lawyers can help you to gather evidence in support of your homeowners’ insurance claim.

Contact the South Florida Homeowners’ Insurance Attorneys at Greenberg, Stone & Urbano Today to Schedule Your Free Consultation!

While we hope you never suffer the traumatic experience of a break-in, it is important to know that your homeowners’ insurance will cover the damage if it does occur.  For assistance with your homeowners’ insurance claim, please contact the Miami Homeowners’ Insurance Lawyers at Greenberg, Stone & Urbano.  Our attorney team has assisted thousands of homeowners in filing damage and related claims to obtain the coverage they need.  At Greenberg, Stone & Urbano, we bring over 130 years of combined professional experience to your case.  Our skilled law firm understands that homeowners’ insurance claims are complex.  We will carefully walk you through the process each step of the way.  We have the honor of receiving an AV rating from Martindale-Hubbell and were named a Top South Florida Law Firm by the Miami Herald.  Call us today at (888) 499-9700 or (305) 595-2400 to schedule your free consultation.  You can also contact us online.


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