This is true, your homeowner's policy does cover this. I am an insurance agent, and I want to offer a word of caution. Please, before you turn in a claim to your homeowner's policy, get an estimate of what it will cost to repair the damages. Also find out your deductible without telling your agent why you want to know. Insurance companies are really cracking down on claims, and you can be cancelled for turning in too many claims. A lot of people don't realize it, but turning in claims that are below your deductible and having nothing paid out still count as a claim against your policy, and you can be cancelled even tho you have received no benefits. For example... your tombstone repair is $450 and your policy deductible is $500, you are not going to get any financial help with the repair, yet you have a claim on your record for vandalism. It used to be that if you weren't negligent, or the claim was weather related, it didn't count against you, but that is in the past. I often get homeowner's who come to me to get homeowner's insurance because they have gotten a cancellation notice from their current company for claims that were not in their control. Often I find that they have turned in claims for things that are under their deductible, or for flooded basements (because they haven't added the back up of sewer & drain coverage). I know that this is way off topic, but I thought it important to make sure that you knew...."The rest of the story"! Jan -----Original Message----- From: PSUmom901@aol.com [mailto:PSUmom901@aol.com] Sent: Friday, May 12, 2006 4:18 AM To: PAWESTMO-L@rootsweb.com Subject: [PAWESTMO-L] RE: {PAWESTMO-L} Fennelltown Cemetery Damage Update That is really sad to hear. I hope that they find out who was involved with this and stop it. Usually, teenagers and young kids are involved with this activity. The good news is that homeowners insurance has a coverage for vandalized cemetery stones. I hope that the cemetery kept record of family members who made inquiries of graves over the years. They could notify these people and collectively, they could file a claim. It is really worth a try! Something really needs to be done to stop this activity. We need to have stiffer penalties for people involved in it. I don't think these people have any idea how important family graves are. I know that I would be devastated to find my family's cemetery plot destroyed. It has been the only place that my family could go for several generations, and call home. ==== PAWESTMO Mailing List ====