Devil's Night is a night of mischief and bad behavior that occurs the day before Halloween. In many areas, it can be a serious issue that causes excessive damage to many homes. Thankfully, many home owner's insurance policies can help with this problem.
Devil's Night In A Big City Can Be Scary
While Devil's Night is traditionally thought of a silly night for pranks, many people take it too far. In a large city, there are often groups of people wandering around committing vandalism on homes. They may throw eggs at a home, spray paint it, throw toilet paper on their windows and trees, or perform other actions that are very devastating.
As a result, a growing number of people are staying in on these nights to protect their homes. However, it is easy for vandals to wait for a person to go to sleep before they attack a home. And when they do, the kind of damage that they can cause can be surprisingly devastating.
Homes May Be Serious Affected
While a few eggs on the walls might not be too devastating to a home, they can cause some damage that may get worse. However, more serious issues may occur in certain cities. For example, there were over 21 different raging fires started on Devil's Night in Detroit in 2017. Those fires caused millions of dollars of property damage. And if you don't have the best homeowner's insurance for your needs, there's a good chance that you could lose a lot of money if Devil's Night gets out of control.
Homeowner's Insurance Can Help
If you live in an area where vandalism of this type is common on Devil's Night, it is a good idea to talk to your homeowner's insurance company. Your provider can identify what kind of vandalism coverage you have and whether or not it will help you out on this night.
Most policies will have coverage for serious vandalism that will kick in on Devil's Night. However, other types of policies don't specifically cover vandalism unless you extend your policy to include it. Therefore, it is critical to learn more about this issue and to expand your homeowner's insurance policy, if necessary.
These steps are wise in a time when Devil's Night pranks have become more serious and devastating than ever. Beyond that, they can provide you with the peace of mind knowing that any severe damage may be paid for by your insurance and the spread of other concerns minimized as much as possible.