{"id":3458,"date":"2019-10-30T16:08:55","date_gmt":"2019-10-30T20:08:55","guid":{"rendered":"https:\/\/blog.greatflorida.com\/?p=3458"},"modified":"2026-04-16T18:12:17","modified_gmt":"2026-04-16T22:12:17","slug":"insurance-can-help-if-you-encounter-tricks-this-week","status":"publish","type":"post","link":"https:\/\/www.greatflorida.com\/blog\/2019\/insurance-can-help-if-you-encounter-tricks-this-week\/","title":{"rendered":"Insurance Can Help If You Encounter Tricks this Week"},"content":{"rendered":"<\/p>\n

Most Halloween pranks result in harmless fun. Of course, all the activity, fun and mischief can result in calamities. Unfortunately, there are times when they can cause more damage than expected. \u201cIf you become a victim of a Halloween prank, don\u2019t worry, insurance can help,\u201d says Dustyn Shroff<\/a>, Vice President of GreatFlorida Insurance<\/a>, Florida\u2019s largest independent home insurance<\/a> agency.<\/p>\n

Financial company, Nerdwallet<\/a>, reviews some possible scenarios that could have you calling your insurance provider for help.<\/p>\n

\n
\"\"<\/a><\/figure>\n<\/div>\n

Your car gets egged<\/strong><\/p>\n

Car vandalism claims increase the days before and after Halloween. Usually, the damage is minimal, and it will require some elbow grease to clean up. However, if the damage is more extensive, such as paint damage or a broken window comprehensive car insurance<\/a> should have you covered.<\/p>\n

The yard is
\ntoilet-papered<\/strong><\/p>\n

This longtime prank is generally harmless and is more of a pain
\nto clean up than anything. But, there are times when damage occurs to trees and
\nlandscaping. If you decide to make a claim, wait to clean up until an
\ninspection by your insurer is made. An adjuster needs to document the damage.<\/p>\n

\u201cEven though home insurance<\/a> and car insurance<\/a> cover the cost of most vandalism and theft damages, unless the damage is greater than your deductible, you might want to considering paying out of pocket,\u201d says Buck with GreatFlorida Insurance<\/a>.<\/p>\n

Missing yard decorations<\/strong><\/p>\n

Whether it is the skeleton, graveyard scene or animatronic ghosts,
\nHalloween decorations are defenseless to pranksters.<\/p>\n

Standard homeowners<\/a>, condo<\/a> and renters insurance<\/a> will cover stolen decorations. Be sure to have the receipts and filed a police report. Pictures of the decorations are also helpful.<\/p>\n

Jack-o-lantern starts
\na fire<\/strong><\/p>\n

The National Fire Protection Association<\/a> (NFPA) reports $11 million in direct property damage caused by Halloween house fires annually. Fire damage is covered by homeowners insurance<\/a>, including living expenses if you have to stay elsewhere during repairs. Rental property is covered by the landlord\u2019s policy, but renters insurance<\/a> is required for the reimbursement of personal belongings.<\/p>\n

Unpredictable trick
\nor treaters out and about<\/strong><\/p>\n

Children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year, reports The National Safety Council<\/a>. Children often dart out into the street and they can be difficult to see while in dark costumes. Children are not the only unpredictable ones on the street. Be careful of adults distracted by their mobile devices or intoxicated. Your auto liability insurance<\/a> covers injuries you cause while driving.<\/p>\n

GreatFlorida Insurance<\/a> is committed to protecting you and your belongings from spooky incidents this Halloween. Contact us for all your insurance needs. <\/p>\n

\"\"<\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"

Most Halloween pranks result in harmless fun. Of course, all the activity, fun and mischief can result in calamities. Unfortunately, there are times when they can cause more damage than expected. \u201cIf you become a victim of a Halloween prank, don\u2019t worry, insurance can help,\u201d says Dustyn Shroff, Vice President of GreatFlorida Insurance, Florida\u2019s largest […]<\/p>\n","protected":false},"author":1219,"featured_media":3468,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1,3,5,7,8,82,9],"tags":[],"class_list":{"0":"post-3458","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-floridainsurance","8":"category-auto-insurance","9":"category-homeowners-insurance","10":"category-motorcycle-insurance","11":"category-renters-insurance","12":"category-rv-insurance","13":"category-umbrella-insurance"},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/3458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/users\/1219"}],"replies":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/comments?post=3458"}],"version-history":[{"count":1,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/3458\/revisions"}],"predecessor-version":[{"id":13739,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/3458\/revisions\/13739"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media\/3468"}],"wp:attachment":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media?parent=3458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/categories?post=3458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/tags?post=3458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}