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Did you know your insurance claim may be DENIED?

By
Real Estate Broker/Owner with Potranco Realty 492107

Did you know your insurance claim may be denied due to no signs of forced entry?


Garage doors are one of the easiest points of entry for criminals. Watch video below demonstrating how someone can access your home in less than six seconds with the use of a coat hanger.



How many times have you gone to bed and didn't lock your door leading from your garage into your home?

 

You can purchase a simple guard to block criminals from opening your garage. With many how-to videos helping criminals gain entry to our homes we must fight back. Hopefully in the future the manufactures will come up with a simple solution to eliminate the easy access to garage doors.

 

Did you know your insurance claim may be denied due to no signs of forced entry?

 

Safety tip of the day brought to you by Bob Ratliff, REALTOR®

(512) 587-5689

Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

Anna Banana its sad that the simplest thing criminals can figure out and take advantage. Our homes are never safe.....

Feb 27, 2016 04:45 AM
Carla Muss-Jacobs, RETIRED
RETIRED / State License is Inactive - Portland, OR

Great post about a few things.  Insurances will deny anything if they can.  They are NOT in the business to pay out on claims.  People shouldn't think that because they are insured that they will be made whole after a "covered" event.  Again, insurance companies aren't in the business to pay out claims.  They are in the business to sell policies.

Feb 27, 2016 05:42 AM
Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

Very true Carla

Feb 27, 2016 05:45 AM
Sheila Anderson
Referral Group Incorporated - East Brunswick, NJ
The Real Estate Whisperer Who Listens 732-715-1133

Hello Bob. This is very scary stuff. Insurance companies are unreliable on so many fronts. I made a claim and was dropped.

Feb 27, 2016 06:57 AM
Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

Its sad when insurance want cover what we might have thought they should Sheila. Sorry to hear about your case.

Feb 27, 2016 06:58 AM
Yolanda Cordova-Gilbert
Richmond, TX

Bob,

 This is scary luckily we have a detached garage, you always learn something! I hope you have a great day!

Feb 27, 2016 07:25 AM
Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

Hi Bob/Robert Detached works best but then they can still your car or more tools....ouch.

Feb 27, 2016 07:48 AM
Carol Williams
Although I'm retired, I love sharing my knowledge and learning from other real estate industry professionals. - Wenatchee, WA
Retired Agent / Broker / Prop. Mgr, Wenatchee, WA

Great info, Bob.  Thanks for much for sharing!  I've been thinking about getting exterior cameras, and this gives me more fodder for thought.  

Feb 27, 2016 09:30 AM
Myrl Jeffcoat
Sacramento, CA
Greater Sacramento Realtor - Retired

Yes, I knew that!  Years ago, I worked in claims for an insurance company!  That's good information to share.  Not everyone knows that!

Feb 27, 2016 11:37 AM
Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

We have cameras Carol and love them.... you will feel safer knowing your surroundings. We caught some kids turning over our neighbors trash cans.

Feb 27, 2016 06:56 PM
Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

Thanks Myrl for dropping by and commenting.

Feb 27, 2016 06:57 PM
Sandy Padula & Norm Padula, JD, GRI
HomeSmart Realty West & Florida Realty Investments - , CA
Presence, Persistence & Perseverance

 Bob Ratliff We are all over this one! Thieves will stop at nothing to facilitate their trade. Thanks for the alert, and fix.

Feb 27, 2016 10:00 PM
Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

Thank you Sandy and Norm I agree we must be vigilant at all times to protect our goods.

Feb 27, 2016 10:14 PM
John McCormack, CRS
Albuquerque Homes Realty - Albuquerque, NM
Honesty, Integrity, Results, Experienced. HIRE Me!

Good Monday morning Bob.  I actually didn't know insurance could turn one down for this!  Good to know.  Due to several local news stories about garage door break ins I've secured ours in hopes of discouraging thugs.

Feb 28, 2016 09:46 PM
Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

Hi John McCormack,  I've been told by several insurance persons that it would be denied if no break in was evident.

Feb 28, 2016 09:51 PM
Robert Bob Gilbert
Berkshire Hathaway HomeServices Anderson Properties - Katy, TX
Your Katy TX ( West of Houston) Real Estate Expert

Bob, great post and I will have to investiagte this sheild shown in the video. Locking all doors, windows and settin alarms is always must no matter where you live. 

Mar 01, 2016 05:18 AM
Potranco Realty
Potranco Realty - San Antonio, TX
"Sold with Potranco Realty"

Its scary Bob that someone can enter the garage so easily.

Mar 02, 2016 06:37 AM
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • GRI • HAFA • PSC Calabasas CA

The insurance claim can be denied for many reasons. And it is very frustrating. It happen to me, so i'm not a fan anymore. 

Mar 02, 2016 03:31 PM
Potranco Realty

Inna, sorry to hear you had an insurance problem....

Mar 02, 2016 07:38 PM
Paul S. Henderson, REALTOR®, CRS
Fathom Realty Washington LLC - Tacoma, WA
South Puget Sound Washington Agent/Broker!

What's more amazing is people aren't aware of this Bob Ratliff 

Mar 07, 2016 07:05 PM
Susan Haughton
Long and Foster REALTORS (703) 470-4545 - Alexandria, VA
Susan & Mindy Team...Honesty. Integrity. Results.

Very informative info, which may help someone prevent a future break in.

 

Mar 15, 2016 09:44 PM