Our client’s adjuster was assigned a $15,000 homeowner’s claim for vandalism, reportedly by a homeless person. The insured reported that someone broke into his home while he was out of the country on vacation, changing the lock on the front door so he could stay there. Because this was a new policy loss of just a few weeks, the case was referred to Investigation Solutions.
The insured explained that his air conditioner, washer and dryer were all damaged by the man, who also destroyed his bed and other property. He replaced the bed for a cost of over $5,000. Conveniently, his brother owns a furniture store. Sadly however, the insured had already disposed of the damaged bed and property. He also had to “sanitize” the home.
The A/C unit was found to have failed due to wear and tear. The washer and dryer were working normally upon inspection. The Investigator explained to the insured that an in-person interview would be needed, and that witnesses, including the furniture-selling brother would be interviewed.
The insured decided that pursuing a claim would be too stressful. Case closed.