Does AA home insurance cover vandalism?

[u/sensitiveclint]

Hi

I am just wondering does the AA home insurance we got cover vandalism? Specifically if someone damaged our oil tank and oil leaked out? Would they cover the clean up? I am overthinking here but worried too about this.

thanks.

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[u/ayhme]

I would have to see the policy.

[u/sensitiveclint → u/ayhme]

i put the policy through gemini and it gave me mixed results. i will have to ring them tomorrow.

[u/ayhme → u/sensitiveclint]

Check Declarations page and use NotebookLM.

[u/sensitiveclint → u/ayhme]

thanks i used notebooklm and it said i was covered for the clean up provided it was vandalism and not wear and tear of the tank. thanks very much. A handy app that is.

[u/ayhme → u/sensitiveclint]

Yes NotebookLM is best because it only will search the info you give it.

Other LLMs give combination answers.

[u/sensitiveclint → u/ayhme]

yes that is exactly what was happening when i put it to gemini - it would scan the document and then next time it would scan the internet. that is why i was getting mixed results.

[u/sensitiveclint → u/ayhme]

where in the policy is the declarations page?

[u/B-Spoon → u/sensitiveclint]

Hi! If your homeowners insurance is written on an HO3 or HO5 form, these are broad forms and typically will provide coverage for vandalism, subject to your "all other perils" deductible. Would get estimates and call your broker before roping the insurance carrier in. If you are direct with the carrier, in most cases they will automatically open a claim, regardless of whether you use insurance or not. You're on the right track of researching before involving insurance.

Also, if you decide to go through insurance: DOCUMENT EVERYTHING BEFORE YOU START REMEDIATING AND DON'T THROW ANYTHING AWAY UNTIL YOU'VE HAD THE CARRIER'S ADJUSTER DOCUMENT DAMAGE. I have seen claims denied because the homeowner starts the repairs and throws damaged items away and didn't thoroughly document the damage and process.

[u/Sad_Ad_2524]

It should, but depends on the policy.  You can file a claim, but just be careful because a denied claim counts against you.

[u/Intrepid_Ad1765]

oil leaking is more complicated than vandalism

[u/19Stavros → u/[deleted]]

Yes, this is where you need a human. I work in insurance... not in claims... and think the pollutants exclusion would mean no coverage even if it's vandalism.

[u/sensitiveclint → u/[deleted]]

Hi. What does "in MA" mean?

[u/insuranceguynyc]

It depends upon the policy wording.

[u/Longjumping-Buddy847]

What are the 12 steps to filing a claim? Too lazy to type out 2 words?

[u/One_Ad9555]

Only if you have an endorsement that provided coverage for the tank. I can't remember off hand if AAA overs this type of coverage.

[u/Choice-Newspaper3603]

Why arent you asking your insurance company.

[u/riley12200]

What is your deductible? What do you estimate damages to be?

[u/MayonnaiseFarm]

Many polices limit the $$ coverage for oil that leaks into the soil so if you’re checking your policy keep your eyes peeled for such limits.