All insurance policies are different. Although many church property insurance policies are similar, the only way to truly know the details of your insurance coverage is to carefully read your policy, word for word. Although it is sometimes difficult to understand the language of your contract with the insurance company, a lawyer can help you if need be.
With that being said, stolen property is normally covered in church insurance policies. However, church leaders should note that just because theft is covered in your policy does not mean that you will automatically be reimbursed for stolen goods and that you will easily be able to replace stolen property.
Take the following steps to best ensure that your church property is protected:
- Read your church insurance policy to verify that theft of property is covered. Make a note of any items that are not covered or of any situations in which theft would not be covered.
- Make sure that your coverage is sufficient for the property that your church owns. If you do not have enough coverage, you may not be able to recover enough money to replace all of your stolen items.
- Maintain an accurate property inventory. Whenever your church purchases a significant piece of property, such as a vehicle or electronic device, be sure to record the cost and value of the item. Keep the receipts and any owners’ manuals. In addition, you may want to take photographs or videos of your property.
If you are having difficulty with your church insurance claim involving stolen property, the Voss Law Firm may be able to help. Contact our Texas church insurance attorneys today to learn more about our legal services or to schedule a free, confidential appointment: 888-614-7730.