{"id":962,"date":"2020-11-12T00:04:03","date_gmt":"2020-11-12T00:04:03","guid":{"rendered":"https:\/\/www.claimally.com\/?p=962"},"modified":"2020-11-12T00:04:08","modified_gmt":"2020-11-12T00:04:08","slug":"does-homeowners-insurance-cover-vandalism","status":"publish","type":"post","link":"https:\/\/www.claimally.com\/es\/does-homeowners-insurance-cover-vandalism\/","title":{"rendered":"\u00bfEl seguro de propietarios cubre vandalismo?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Es posible que conozca las formas m\u00e1s comunes en que su seguro de propietario de vivienda lo protege. Los da\u00f1os por incendio, robo, tormenta de viento, granizo y responsabilidad civil son solo algunos escenarios comunes en los que su p\u00f3liza ayuda a cubrir los da\u00f1os resultantes. Pero, \u00bfsabe que el vandalismo tambi\u00e9n est\u00e1 cubierto por su p\u00f3liza? Desde luces rotas hasta un buz\u00f3n destrozado, echemos un vistazo m\u00e1s de cerca a c\u00f3mo su seguro de hogar lo ayuda a protegerse financieramente del vandalismo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En pocas palabras, la definici\u00f3n de vandalismo es destruir o desfigurar deliberadamente la propiedad de alguien sin su consentimiento. Se hace de muchas maneras, desde destrozar l\u00e1mparas hasta poner huevos en la casa de alguien. B\u00e1sicamente, si alguien intencionalmente hace algo para da\u00f1ar su propiedad sin su aprobaci\u00f3n, califica como vandalismo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los actos comunes de vandalismo en el hogar incluyen:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Pintura en aerosol, pintura o dibujo en el hogar<\/li><li>Romper luces exteriores o ventanas<\/li><li>Neum\u00e1ticos cortantes<\/li><li>Poniendo huevos a tu casa<\/li><li>Manipulaci\u00f3n de fontaner\u00eda<\/li><li>Cortar \u00e1rboles o arbustos sin permiso<\/li><li>Incendio provocado<\/li><li>Pegado de cerraduras<\/li><li>Salar o destruir su c\u00e9sped<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A los v\u00e1ndalos les encantan las casas vac\u00edas y, a menudo, las eligen como objetivo. Si bien la mayor\u00eda de las p\u00f3lizas para propietarios de viviendas tienen disposiciones que eliminan la cobertura por vandalismo despu\u00e9s de que la vivienda haya estado desocupada durante 30 d\u00edas (60 d\u00edas en algunos estados), muchas compa\u00f1\u00edas cancelar\u00e1n la cobertura tan pronto como se den cuenta de que la vivienda est\u00e1 desocupada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si es v\u00edctima de vandalismo en su hogar, querr\u00e1 seguir los pasos a continuaci\u00f3n para asegurarse de aprovechar al m\u00e1ximo la presentaci\u00f3n de un reclamo de seguro:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Llame a la polic\u00eda y presente un extenso informe policial. Este informe ser\u00e1 vital para su reclamo de seguro, ya que es un recuento detallado y preciso de los da\u00f1os que ocurrieron.<\/li><li>Tome fotograf\u00edas de la escena del crimen como evidencia.<\/li><li>Puede tratar de minimizar el da\u00f1o, como tapiar una ventana rota, pero no haga ninguna reparaci\u00f3n antes de que su ajustador de reclamos asignado venga a ver su casa.<\/li><li>Llame a su compa\u00f1\u00eda de seguros para presentar un reclamo. Aseg\u00farese de tener toda la documentaci\u00f3n importante para que pueda presentar mejor su caso: las fotos, los videos y un inventario de todo lo destruido ser\u00e1n \u00fatiles cuando presente su reclamo de seguro.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de presentar un reclamo de seguro, querr\u00e1 considerar qu\u00e9 tan significativo es el da\u00f1o. La mayor\u00eda de las p\u00f3lizas contienen un deducible. El monto del reclamo debe ser considerablemente mayor que el deducible para que valga la pena presentar el reclamo. Si bien un reclamo puede ser v\u00e1lido, no siempre es conveniente presentarlo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A veces se produce una denegaci\u00f3n o pago insuficiente de un reclamo. Las aseguradoras saben que solo se impugnar\u00e1 un peque\u00f1o porcentaje de las reclamaciones denegadas. Incluso si finalmente tienen que pagar las reclamaciones en disputa, todav\u00eda salen adelante financieramente. Si recibe una negativa por escrito, comience a hacer preguntas. La denegaci\u00f3n podr\u00eda haberse realizado por el motivo equivocado o debido a informaci\u00f3n inexacta, as\u00ed que sea persistente. Siempre tiene la opci\u00f3n de contratar a un Ajustador de Seguros P\u00fablicos para que lo ayude con su proceso de reclamos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Los ejemplos y la perspectiva de este art\u00edculo son la opini\u00f3n de Claim Ally. Claim Ally no ejerce la abogac\u00eda ni brinda asesoramiento legal.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>You might be aware of the most common ways your homeowner\u2019s insurance protects you. Fire damage, burglary, windstorm, hail and liability are just a few common scenarios where your policy helps cover resulting damages. But do you know that vandalism is also covered by your policy? From broken lights to a smashed-in mailbox, let\u2019s take [&hellip;]<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[1],"tags":[],"class_list":["post-962","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Does Homeowners Insurance Cover Vandalism | Claim Ally | Public Insurance Adjusters | Claim Consultants<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.claimally.com\/es\/does-homeowners-insurance-cover-vandalism\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does Homeowners Insurance Cover Vandalism | Claim Ally | Public Insurance Adjusters | Claim Consultants\" \/>\n<meta property=\"og:description\" content=\"You might be aware of the most common ways your homeowner\u2019s insurance protects you. 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