Are You Covered for Terrorism Insurance?

The manhunt for Boston Marathon bombing suspect Dzhokhar Tsarnaev ended with FBI agents spraying a Boston man’s boat with bullets. With the boat owner’s $50,000 watercraft destroyed, he learned that his insurance policy would not cover the damage.

Lawful police activities are generally not covered under umbrella insurance policies.

It sounds incredible, but bullet holes and other forms of damage resulting from law enforcement are not typically covered as “vandalism” under insurance policies.

In this interview, Frank Darras, America’s Top Disability Lawyer, discusses terrorism insurance and damages caused by law enforcement. Scott Sloan of WLW700 Cincinnati leads today’s discussion.

Quote from the Show:

“Call your insurance agent and ask a few questions, ‘If I’m driving down the highway and police spray bullets into my car am I covered?'”

What You’ll Learn:

• Insurance coverage usually doesn’t cover losses from police activity
• Your options are likely few if police activity damaged your property
• Terrorism insurance is a real thing and could be a good option for you