Client Story: Vandalized Rental Property in Fishkill New York

JF Public Adjusters New York assists Fishkill client whose rental property was vandalized and maliciously damaged.

A rental property in Fishkill, NY is broken into. Doors and walls are kicked in and walls throughout the home dirtied. The bathroom and kitchen sinks are smashed broken, destroying a pipe which causes water to damage the property further.

The insured contacts JF Public Adjusters in New York. The JFPA NY team successfully settles the claim at $196,000 compared to the insurer’s original offer of $87,000.

Will my insurance cover vandalism and malicious damage?

In general, a standard homeowner’s insurance policy covers water damage caused by an event that is sudden and accidental including a hot water tank bursting. It does not, however, cover gradual damage, an example of which is a leaking kitchen sink.

The policy will usually cover the resulting damage to the building and contents. Coverage limits apply and these vary from one policy to another. Additional Living Expenses (ALE) coverage  is also available. This provision allows the policyholder to be paid for additional expenses incurred after the insured is forced to seek temporary accommodation due to the home being uninhabitable.

How a public adjuster can help if your home or business premises sustains water damage:

Water can cause extensive damage to a property. Immediately following the discovery of any sign of water damage, you should shut off the water source and thoroughly inspect your home. The damage you find could be covered by your insurance policy.

If you spot water damage to your home, contact the JF Public Adjusters NY team straight away.

We’re happy to come in and inspect the damage to your home, free of charge. If you have insurance and the damage to your home was caused by an insured event, you can file a claim.

The biggest obstacle that policyholders come across is inexperience in managing claims which often results in their claims being grossly underpaid. Don’t let this happen to you.

A study has shown that it is quite common for insurance companies to pay up to 70% less than the actual cost to repair a building.

JF Public Adjusters New York can manage your insurance claim so that you receive the best possible outcome – a fair claim settlement.

Know More About JF Public Adjusters New York

If your property sustains water damage, we’re here to help you. Unsure if the damage or event is covered? Give us a call anyway. Part of our expertise as public adjusters is understanding and interpreting your policy.

JF Public Adjusters NY offers a FREE claim review and consultation in New Paltz, New York and surrounding areas.

Call or text us today on (917) 272-8793.