Vandalism & Theft Public Adjuster in Florida
A break-in or vandalism is stressful enough. We document what was stolen or damaged, review your coverage and handle the claim with your insurer.
- Free InspectionNo cost, no obligation.
- Licensed in FloridaFirm License# W807579.
- No recovery, no feeWe get paid only when you get paid.
- English & EspañolHablamos español.
Get Help in 3 Easy Steps!
Getting a Theft Claim Right Takes Detail
Theft and vandalism claims rely on proof: what was taken or damaged, what it was worth and how the loss happened. Missing receipts or a short inventory can lead to a much smaller payment than the loss deserves.
Northside Adjusters helps you rebuild the list of stolen items, documents damage to doors, windows and the home, and presents the claim with the police report and supporting evidence.
Jewelry, cash, firearms and collectibles often have lower limits unless you list them separately on the policy. We check yours.
First Steps After a Break-in or Vandalism
- Call the police and get the report number.
- Photograph the damage and any signs of forced entry.
- Secure doors and windows and keep the repair receipts.
- Report the claim, then call us for a free inspection.
Common Vandalism and Theft Claims
These claims can involve the home, your belongings or both.
Break-Ins
Forced doors, broken windows and damaged locks.
Stolen Belongings
Electronics, jewelry, tools, bikes and other personal property.
Vandalism
Graffiti, broken fixtures and intentional damage inside or outside.
Damage to Vacant Homes
Seasonal and vacant homes that are damaged while no one is there.
Stolen Equipment
Pool equipment, AC units and copper lines taken from the property.
Damage During a Crime
Damage from a break-in or another crime. See crime scene claims.
What Insurers Often Underpay or Deny
Theft and vandalism claims often turn on the policy's fine print.
Special Limits
Jewelry, cash, firearms and similar items often have low limits unless they are scheduled.
Vacancy Exclusions
Many policies exclude vandalism if the home was vacant for a set period before the loss.
Proof of Ownership
Insurers may question items without receipts. Photos, statements and other records can help.
Depreciation
Items may be valued at actual cash value instead of replacement cost.
How a Public Adjuster Helps with Theft and Vandalism
We turn a stressful event into a clear, documented claim.
Documentation
Photos of the damage, the police report and a detailed list of stolen items.
Policy Review
We check special limits, vacancy rules, deductibles and replacement cost terms.
Detailed Estimate
Repair costs for the home and current replacement prices for belongings.
Negotiation
We present the claim and respond to the insurer's questions and requests.
How Northside Handles Your Claim
The same steps for every claim, explained in more detail on our Claims Process page.
- 1
Call, Text or Send the Form
Call or text 888-888-8591 any time, or use the short form on this page. Tell us what happened and who your insurer is.
- 2
Free Inspection and Policy Review
A licensed adjuster inspects the property at no cost and reads your policy, declarations page and any letters from the insurer.
- 3
Documentation and Estimate
We photograph, measure and record the damage and its cause, then write a detailed repair estimate and contents list.
- 4
We Present and Negotiate
We submit the claim, meet the insurer's adjuster and experts at the property and negotiate the amount owed.
- 5
Settlement and Payment
The insurer pays the agreed amount. Our fee is a percentage of the settlement, capped by Florida law. No recovery, no fee.
Vandalism and Theft Claims in Southwest and South Florida
Southwest Florida
Seasonal homes in Naples, Cape Coral, Estero and Fort Myers may sit empty for months, so vacancy rules matter. We review your policy and inspect in person.
South Florida
In Miami-Dade and Broward, we help homeowners and condo owners document break-ins and vandalism and handle the claim.
Vandalism and Theft Claim Questions
Does homeowners insurance cover theft?
Most homeowners policies cover theft of personal property, subject to limits and your deductible. Some items have lower special limits.
Do I need a police report?
Yes. Insurers usually require one for theft and vandalism claims. Get the report number and a copy when it is available.
What if I do not have receipts?
Photos, bank or card statements, product boxes, manuals and witness statements can help show ownership and value.
Is vandalism covered if my home was empty?
It depends on the policy. Many policies exclude vandalism after the home has been vacant for a set period. We check yours.
What is the difference between actual cash value and replacement cost?
Actual cash value subtracts depreciation. Replacement cost pays to replace the item with a new one, often after you replace it.
What does it cost to hire you?
The inspection is free. Our fee is a percentage of the settlement, capped by Florida law. No recovery, no fee.
General information only, not legal advice. Your policy and Florida law govern your claim. Florida law and your policy set deadlines for claims and supplemental claims (section 627.70132). More answers on our FAQ page.
Other Damage We Handle
One loss often involves more than one type of damage. See every service on our Residential claims page.
All Residential Claims Our claims process Claim FAQ Denied or Underpaid Claims Public Adjuster Fees
Break-in or Vandalism? Get a Free Inspection.
Talk to a licensed public adjuster today. The inspection is free, and if there is no recovery, there is no fee.
