Alconero Public Adjusters

PA License Number for Florida P197242 | Wind Certified Umpire and Appraiser | IAUA Associate Appraiser | FAPIA Associates Member and Ambassador | Puerto Rico License 3000461294

What Are Theft and Vandalism Insurance Claims?

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Theft and vandalism insurance claims are made when your property—your home or business—has been unlawfully entered, damaged, or defaced. These claims fall under most standard homeowners and commercial property insurance policies and aim to cover the financial loss caused by stolen items or destruction of property.
Unlike general damage from storms or natural events, theft and vandalism are intentional acts, and as such, insurers typically require specific documentation, including police reports, photos, and detailed inventories of stolen or damaged items.
Let’s be clear: at Alconero Public Adjusters, we only handle theft and vandalism claims related to physical property—your house, apartment, condo, or business location. We do not manage claims involving vehicles or public spaces outside your property line. Our focus is strictly on preserving your real estate assets and getting you back to normal—fast.

What to Do If Your Home or Business Was Stolen From or Damaged

The moments after discovering a theft or act of vandalism are filled with stress, shock, and confusion. Here’s what to do to protect your rights and maximize your insurance claim:

  1. Call the Police Immediately.
    A police report is required for all theft and vandalism insurance claims. Ensure it includes every detail—what was stolen, what was damaged, how and when it was discovered.

  2. Secure the Property.
    Prevent further loss or damage by boarding up windows, locking doors, and documenting everything before cleaning or moving anything.

  3. Document Everything.
    Take photos and videos of the scene. Create a detailed list of every item that was stolen or damaged, and note their estimated values.

  4. Do NOT Start Repairs or Throw Anything Away.
    The insurance company—and your adjuster—need to see the actual condition of your property before approving reimbursement.

  5. Call Alconero Public Adjusters.
    We step in to file the insurance claim, represent you in all communications, and make sure you receive the maximum payout for your destruction of property.
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Are Theft and Vandalism Covered by Insurance?

In most cases, yes. Homeowners insurance and commercial property insurance generally include coverage for theft and vandalism—but the details can vary significantly. Some policies limit the payout, exclude certain items, or require additional endorsements (like for valuable electronics or business inventory).

If you’re unsure whether your policy covers your losses, that’s exactly where we come in. As licensed public adjusters, we review your policy line-by-line, document all stolen or damaged items, and handle every step of the claim process.

We do the heavy lifting, so you don’t have to guess whether you’re covered or not.

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Why Choose a Public Adjuster for Theft or Vandalism Damage?

Insurance companies are built to protect their bottom line. When you file an insurance claim, their goal is to minimize payouts—not to help you recover fully.

That’s where we come in.

At Alconero Public Adjusters, we don’t work for the insurance company. We work for you.

Here’s why hiring a public adjuster makes a difference:

  • Higher Settlements: We know what your losses are worth, and we fight for every penny.

  • Professional Documentation: From photographs to inventories to loss statements, we handle it all.

  • Faster Claims: Our experience means fewer delays and roadblocks.

  • Zero Stress: No arguing with adjusters, no chasing down paperwork—we do it all.

If your home or business has suffered theft and vandalism, we’ll help you navigate the complexity of the insurance process, ensuring the true value of your assets is recognized and returned to you.

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How Alconero Public Adjusters Protects Your Property and Your Peace of Mind

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Our priority is simple: preserve the value of your property and get you back to normal as quickly as possible.

Unlike lawyers or agents who dabble in multiple areas, we are experts in property damage from theft and vandalism—period. That means we understand what makes a claim strong, what insurance companies often try to exclude, and how to counter them with evidence.

We specialize in:

  • Residential and commercial break-ins
  • Looting during civil unrest.
  • Spray paint and graffiti damage
  • Broken windows, kicked-in doors, and other destruction of property
  • Missing appliances or business equipment
  • Forced entry and malicious defacement

 

And remember: we do not handle vehicle-related claims. If it didn’t happen inside or on your physical property, it’s not within our scope. We stay focused so you get focused results.

Common Challenges When You File an Insurance Claim for Theft and Vandalism

If you’ve already filed an insurance claim or are thinking about it, you may be facing some of these issues:

  • Lowball Offers: Insurance companies undervalue stolen or damaged items.
  • Delays: Claims can drag on for weeks—or months—without explanation.
  • Denied Claims: Missing details in the police report or a vague inventory can lead to a flat-out rejection.
  • Disputes Over Coverage: Was the item actually covered? Was it “properly secured”?

 

These challenges are real—and they’re avoidable with the right help.

At Alconero, we take over communication with your insurer, clarify your policy terms, gather the needed documentation, and respond to every question with precision and urgency.

You shouldn’t have to navigate this mess on your own. With us, you won’t have to.

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Water Damage

Stolen or Damaged Property? Contact the Best Florida Public Adjuster

Whether it’s a ransacked storefront or a vandalized home, you deserve a team that puts your recovery first.

At Alconero Public Adjusters, we’re proud to be known as the Best Florida Public Adjuster for theft and vandalism claims. We’ve helped countless property owners recover from the shock, loss, and financial setbacks caused by these senseless acts.

Let us:

  • Review your policy
  • Document the destruction of property
  • File an insurance claim on your behalf
  • Maximize your payout
  • Help you return to life as it was—before the damage

 

We’re here to protect your property like it’s our own.

📞 Call now or request a free consultation.

Frequently Asked Questions About Theft and Vandalism Insurance Claims

Do I need a police report to file a theft or vandalism insurance claim?

Yes. Most insurance companies require a police report as proof of the incident. Without it, your claim may be delayed or denied. Always report the incident to law enforcement first and keep a copy of the report for your records.

In most cases, yes—but it depends on the specifics of your policy. Standard homeowners and commercial property insurance often include theft and vandalism, but some valuable items (like jewelry, electronics, or business equipment) may have coverage limits unless you’ve added endorsements. We’ll review your policy to confirm what’s covered.

Vandalism includes intentional acts of damage or defacement to your property. This can include broken windows, graffiti, damaged doors, and more. If someone maliciously damages your home or business, it likely qualifies.

Absolutely. You don’t need a total loss to file a claim. If a single room was ransacked or a few items were stolen or damaged, you can still file an insurance claim—and you should. Every loss matters.

It’s not the end of the road. Alconero Public Adjusters can reopen denied or underpaid claims. We’ll investigate, gather new evidence, and challenge the insurer’s decision. Many clients come to us after receiving a denial—and we turn it around.

We work on a contingency basis, which means you pay nothing upfront. We only get paid a percentage of what we recover for you. No recovery = no fee. It’s a risk-free way to maximize your claim.

No. We only handle property damage claims for homes and businesses. If the damage happened inside or around your building, we can help. If it involves your vehicle, you’ll need to contact your auto insurance provider.

Contact us now to speak with a licensed public adjuster who can help you with your claim.

Get a free on-site inspection and policy evaluation!

Simply fill out the form below, and we’ll contact you shortly.

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