Theft or Vandalism?

[Milkman1265]

if someone comes into my house and steals my copper pipes that are installed and attached to the wall is this consider theft or vandalism?

or any heater/boiler/ etc.. equipment.

 

[djs]

Its going to be some of both.
Why do you care what its called though? You need the problem fixed.

In very general terms, vandalism has the stuff still there, just messed up. For instance, the door they kick in is vandalized. Theft has the stuff gone, as in the copper pipes they drove off with is theft.

Again, what difference does it make? You still want both the door and the pipes (and the walls, etc) fixed.

Dan

 

[Milkman1265]

well i have a policy that is special form exluding theft.

if someone broke into my tenant occupied home, and stole my copper pipes, would this be consider theft or vmm?

so if i would get payment only for fixing the wall (and whatever dmg they cause by breaking in ) and labor to install the pipes, but not the pipes itself right?
- - - - - - - - - - - - - - - - - -
i am getting mixed responses from people.

one say VMM covers from stolen faucets/sinks/toilet bowls,

another say no that is theft, but will cover the damage caused by the act of removing the said item.

 

[djs]

Problem is, you will get different answers, depending on who you ask, what your policy actually says, what state you are in, and to be frank, the mood of the claims adjuster that day.

Best thing to do is to read your policy and file a claim. Let the adjuster figure it out. Most of the time, they are pretty good about this stuff, covering what they can.

Then, add theft coverage to your policy.

Dan

 

[b61mack]

Depending on the state, you can replace the copper pipe with plastic pipe. It is rated for water. It is easy to install, it is glued. You can buy it at Home Depot.That will stop the theft.

 

[drcoastline]

Problem is, you will get different answers, depending on who you ask, what your policy actually says, what state you are in, and to be frank, the mood of the claims adjuster that day.

Best thing to do is to read your policy and file a claim. Let the adjuster figure it out. Most of the time, they are pretty good about this stuff, covering what they can.

Then, add theft coverage to your policy.

Dan

Dan is correct. In the scenario you present there are a lot of variables depending on the carrier, the adjustrer, you and more. Luck of the draw unfortunately.

 

[Milkman1265]

protection class is like 10, i dont think any carrier will want to add theft.

 

[blue_wynd]

protection class is like 10, i dont think any carrier will want to add theft.

Protection class refers for firefighting, not police. Like how far away from the fire hydrant, training and support of your local fire dept. paid vs. volunteer etc.