Most Halloween pranks lead to harmless fun. Obviously, all the activity, fun and mischief can lead to calamities. Unfortunately, there are times when they are able to cause more damage than expected. “If you feel a target of the Halloween prank, don't be concerned, insurance can help,” says Ellsworth Buck, Vice President of Insurance, Florida's largest independent home insurance agency.
Financial company, Nerdwallet, reviews some possible scenarios that could perhaps you have calling insurance companies for help.
Your car gets egged
Car vandalism claims increase the days pre and post Halloween. Usually, the harm is minimal, and it'll require some elbow grease to wash up. However, if the damage is much more extensive, such as paint damage or perhaps a broken window car insurance should have your back.
The yard is
toilet-papered
This longtime prank is usually harmless and it is more of a problem
to clean up than anything. But, occasionally damage occurs to trees and
landscaping. If you decide to make a claim, wait to clean up until an
inspection by your insurer is made. An adjuster needs to document the harm.
“Even though property insurance and car insurance cover the price of most vandalism and theft damages, unless the damage is larger than your deductible, you might want to considering paying out of pocket,” says Buck with Insurance.
Missing yard decorations
Whether it's the skeleton, graveyard scene or animatronic ghosts,
Halloween decorations are defenseless to pranksters.
Standard homeowners, condo and renters insurance covers stolen decorations. Make sure to possess the receipts and filed a police report. Pictures of the decorations are also helpful.
Jack-o-lantern starts
a fire
The National Fire Protection Association (NFPA) reports $11 million in direct property damage brought on by Halloween house fires annually. Fire damage is covered by homeowners insurance, including living expenses if you have to stay elsewhere during repairs. Rental property is covered through the landlord's policy, but renters insurance coverage is necessary for the reimbursement of personal belongings.
Unpredictable trick
or treaters out and about
Children tend to be more than twice as apt to be hit by a car and killed on Halloween than you are on any other day of the entire year, reports The nation's Safety Council. Children often dart out in to the street and they can be difficult to see during dark costumes. Children are not the only unpredictable ones in the pub. Be careful of adults distracted by their cellular devices or intoxicated. Your auto insurance covers injuries you cause while driving.
