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Store Broken Into - Have Some Questions

[OP]
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Store Broken Into - Have Some Questions

I own a small business that was broken into yesterday night. The culprit was caught by police and the money stolen was returned. Unfortunately, my store front window (50 by 58 inches) is completely broken. The police said that they will try to get the culprit to pay for the damage, but nothing guaranteed.

Should I go through insurance to fix my window? I'm assuming my monthly premium will increase, is it worth it? Is there any way I can get the culprit to pay for the damage?
Last edited by IHavocI on May 7th, 2020 12:07 pm, edited 1 time in total.
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IHavocI wrote: I own a small business that was broken into yesterday night. The culprit was caught by police and the money stolen was returned. Unfortunately, my front store window (50 by 58 inches) is completely broken. The police said that they will try to get the culprit to pay for the damage, but nothing guaranteed.

Should I go through insurance to fix my window? I'm assuming my monthly premium will increase, is it worth it? Is there any way I can get the culprit to pay for the damage?
How much to fix the window? Price quotes?
[OP]
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Sgtalpowell wrote: How much to fix the window? Price quotes?
Police officer estimated around 1500 for glass and installation. I called a bunch of places and only 1 quote so far, 2000 for the glass and installation. Almost every place I called does not do commercial windows.
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Sue the person in court for damages as well as your loss prevention costs. The Bay is known for doing that
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IHavocI wrote: I own a small business that was broken into yesterday night. The culprit was caught by police and the money stolen was returned. Unfortunately, my front store window (50 by 58 inches) is completely broken. The police said that they will try to get the culprit to pay for the damage, but nothing guaranteed.

Should I go through insurance to fix my window? I'm assuming my monthly premium will increase, is it worth it? Is there any way I can get the culprit to pay for the damage?
Is this on the news?
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Feb 24, 2018
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The Bay sues civilly as a disincentive to future thievery, the strict monetary payback on these suits isn't worth it.

Don't waste your time in civil litigation, not for the pittance you're paying after insurance. I guarantee you're wasting your time, Chet from the Country Club did not cause this damage, and Cletus has no money.

Not to make this political, but petty thefts are up because the CERBers are out and about with spare time on their hands. Be cautious and observant during the shutdown.
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[OP]
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Redsanta wrote: Is this on the news?
I highly doubt it. It's a very small business and it wasn't too major to make a news worthy story.
[OP]
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Shaner wrote: Sue the person in court for damages as well as your loss prevention costs. The Bay is known for doing that
What is the Bay?
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IHavocI wrote: What is the Bay?
Hudson Bay Company. Been around for centuries.
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[OP]
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king_george wrote: Hudson Bay Company. Been around for centuries.
Okay. I thought he was referring to a completely different Bay, not Hudson's Bay.
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Shaner wrote: Sue the person in court for damages as well as your loss prevention costs. The Bay is known for doing that
Good luck with that, these punks don't have money for a cigarette never mind a $2k window. OP use your insurance, thats why you have it for, otherwise don't have insurance and put your monthly payment into your bank account.

Criminals are never made to pay damages, thats why they go to jail.
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IHavocI wrote: Police officer estimated around 1500 for glass and installation. I called a bunch of places and only 1 quote so far, 2000 for the glass and installation. Almost every place I called does not do commercial windows.
I work in claims - whats your deductible? Whats your claims history ?
speak with the broker and ask them how your insurer responds to single claims ( each insurer will treat a claim differently in terms of rates )....obviously less claims the better

Also as far as getting money , good luck , mostly its a crap shoot but you could try and speak to the officer and see if the punk has any funds..if he does do a small claims court action yourself ( if you are paying for the claim )
http://www.heatware.com/eval.php?id=14378

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MusicBox wrote: Good luck with that, these punks don't have money for a cigarette never mind a $2k window. OP use your insurance, thats why you have it for, otherwise don't have insurance and put your monthly payment into your bank account.

Criminals are never made to pay damages, thats why they go to jail.
Use your insurance for bigger claims - not every one...I've had two claims recently from the same business ( one was broken glass, one was flood , I advised the insurer to either to get off risk or increase the deductible substantially , at least one of which they are likely to do )
http://www.heatware.com/eval.php?id=14378

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[OP]
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rb wrote: I work in claims - whats your deductible? Whats your claims history ?
speak with the broker and ask them how your insurer responds to single claims ( each insurer will treat a claim differently in terms of rates )....obviously less claims the better

Also as far as getting money , good luck , mostly its a crap shoot but you could try and speak to the officer and see if the punk has any funds..if he does do a small claims court action yourself ( if you are paying for the claim )
13 years, no claims. Deductible is $1000. My broker said that I will likely be losing my no claims discount which is 10% (equals to a $10 increase).
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IHavocI wrote: 13 years, no claims. Deductible is $1000. My broker said that I will likely be losing my no claims discount which is 10% (equals to a $10 increase).
if its $2000 plus for the window and increase is $10 ( per month I assume) go for it....BUT be wary if you have a second claim soon underwriters may look hard at the risk
http://www.heatware.com/eval.php?id=14378

Ole Gunnar IN!!!!


I promise not to cut your taxes but I won't raise them either.

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