Lock Bumping and Home Owner's Insurance
One of the biggest problems with lock bumping burglaries is there
is no sign of forced entry. In legal speak, "it may not show any
forensic indicia of such attack." This can cause trouble for you if
you get bumped, especially if there is a mysterious-disappearance
exception within your insurance policy, which is common.
This exception means that your insurance provider my deny your claim
and refuse coverage for unexplained loss or inventory shortage if
there is no proof of entry because they can assume the door was left
unlocked. However, some insurance companies will give you a discount
on your insurance if you install high-security (anti-bump) locks.
You should check with your insurance carrier to determine the limits
of coverage and if you get a discount for installing high-security
locks.
Lock Bumping
& Your Home-Owner's Insurance Policy
|
jamesthornton.com>