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Can I claim a theft by a “porch pirate” on my home insurance?

On Behalf of | Jul 30, 2021 | Residential Homeowner's Insurance Litigation

You are awaiting the arrival of your recent purchase, and the package never arrives…or did it? It’s not uncommon for packages to go missing due to theft. If you have had a package or parcel stolen off of your doorstep, can you make a claim on your homeowners’ insurance? 

The people who drive through Florida neighborhoods looking for packages to steal from homeowners have been called “package pirates” and “porch pirates.” These thefts can cost consumers hundreds or thousands of dollars in losses.

Steps to take when a package pirate steals your goods

Many steps can be taken after you suspect that a delivery has been intercepted at your residence. Let’s take a look at a few suggestions made by WTSP 10 News out of Tampa Bay: 

  • Shipping company: Contact the shipping company can help confirm that the item was delivered. See if they have a replacement policy.
  • Seller: Contacting the seller to report the package as stolen can sometimes result in a replacement package being shipped for free. Sometimes online vendors would rather replace an item with a low-price tag rather than suffer a negative review.
  • Credit card company: By contacting their credit card companies, some buyers have received credit towards their next purchase as a provision for package piracy.
  • Police: If you have confirmed that the package was indeed delivered, a good next step could be to contact the authorities on a non-emergency telephone number. If you decide to claim the loss on your homeowners’ insurance, the police report will come in handy.
  • Homeowners’ insurance claims: Claiming on your home insurance can be a tricky proposition. Sometimes the deductibles on the insurance policy are higher than the price of the stolen parcel. If the item missing was a brand-new laptop, then it could be worth the effort. If not, then claiming the theft on your homeowners’ insurance may not make financial sense.  

As we can see, what to do in case of package piracy is not always clear. There are many factors to consider and is often a case-by-case scenario. You can also find yourself frustrated with the lack of an adequate response by the seller, shipping company or insurance company.

If you would like to know more about your rights as a homeowner or renter in Florida, it may be helpful to have strong legal counsel that is experienced in successfully fighting insurance companies on homeowners’ claims. 

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