Louisville, Kentucky Insurance Dispute Lawyers Handling Vandalism Claims
Helping Kentucky policyholders obtain compensation for intentional damage to their property
Vandalism is the act of intentionally destroying property. If you have vandalism protection on your homeowners’ policy or another policy, McWherter Scott & Bobbitt will help you verify what property was damaged, the property that can be repaired, and the property you need to replace. We coordinate your civil insurance claim separate from any criminal charges that the police may file. Our Kentucky insurance dispute lawyers work with repair experts and appraisers who can assess whether your home, commercial property, and possessions can be saved or whether you need to purchase replacements.
How can we help?
- What acts of vandalism cause property damage in Kentucky?
- What vandalism-related repairs are covered by insurance?
- How can your Kentucky insurance dispute lawyers help with a vandalism claim?
- How can a property owner protect their property from vandalism?
- Do you have a Kentucky vandalism claim lawyer near me?
What acts of vandalism cause property damage in Kentucky?
Your insurance policies should protect your buildings and/or cars from acts of vandalism such as:
- Structural damage to buildings
- Broken windows
- Broken doors
- Damaged landscaping/statuary
- Spray painting and graffiti
- Acts of arson*
We also file claims when vandalism destroys schools, churches, and other community property.
*Arson may be covered by your fire loss coverage.
What vandalism-related repairs are covered by insurance?
The repairs vary depending on the type of damage. Our Kentucky insurance dispute lawyers work with professionals who are experienced at:
- Removing graffiti
- Sanitizing and disinfecting property
- Getting rid of noxious odors
- Removing broken glass and other types of debris
- Planting new bushes and trees
- Fixing or obtaining new computer equipment
- Other types of repairs
We work with our network of experts to ensure that all repairs use quality parts.
Our Kentucky insurance dispute attorneys seek payment for the value to replace damaged items when repairs aren’t possible or too expensive. Depending on the terms of your policy, we seek the cost to replace damaged items instead of their fair market value, which is often much less.
How can your Kentucky insurance dispute lawyers help with a vandalism claim?
Our Kentucky vandalism claim lawyers are ready for every type of dispute that may arise with the insurance carrier or their lawyers including:
- Coverage disputes. We’ll begin by reviewing which of your policies covers vandalism insurance. Unless there’s an exclusion, your homeowners’ insurance should cover damage to your home and any property on the home including removable structures and landscaping. Commercial property insurance should cover damage to office buildings, religious edifices, and other structures. You should ask your agent about a vacancy endorsement if you’re not going to be in your home for an extended period.
- Business interruption loss. Some acts of vandalism, such as the destruction of your computer equipment or data, can cause you to stop operating your business while your data is recovered or you can regather the data. We work with financial, technical, and other experts to obtain compensation for all your insurance losses, which may include loss of income, overhead costs, marketing bills, payroll, repair costs, and replacement costs.
Our lawyers file vehicle damage claims through your comprehensive vehicle insurance carrier which should cover vandalism and other losses such as fire and theft.
How can a property owner protect their property from vandalism?
There are some precautions to consider that can help reduce the risk of vandalism and even help to catch the perpetrators. Some of these preventive measures include:
- Installing visible camera and video equipment.
- Installing alarm systems that alert you to an intruder and scare the vandal off your property.
- Installing fences and using other methods to control who can come onto your property.
- Locking all your windows and doors, especially when you’re not at home.
Call your local police as soon as you become aware that vandalism of your property has occurred.
Do you have a Kentucky vandalism insurance claim lawyer near me?
Our Kentucky insurance dispute lawyers meet vandalism victims at our Louisville office, located at 2950 Breckenridge Ln, Suite 13-200. We consult with policyholders by phone and through video.
At McWherter Scott & Bobbitt, we have the experience and resources to help you settle most insurance claims for the compensation you deserve.
Talk with our trusted Kentucky vandalism insurance claims lawyers now
It’s upsetting when someone intentionally damages your home, car, landscaping, or personal possessions. It’s one thing to have to repair or replace the damaged property. It’s another to think you were the target of a deliberate act of destruction. Insurance carriers and defense lawyers respect that at McWherter Scott & Bobbitt, our lawyers review the precise language of the insurance policy and work with a network of professionals who will assess your damage, prepare reports, and testify if necessary. To schedule a consultation with our vandalism claims lawyers, call us or use our contact form. We represent policyholders throughout the Southeast.