Dear Valued Customers,

Sign Damage: A Costly Reminder

The photos at the bottom of this Newsletter may make this look like a minor loss — but once repairs were complete, the total cost came in at over $13,000. Never underestimate the cost of repairing or replacing a damaged sign. As sign technology has advanced, so has the price tag: a new sign can range anywhere from $5,000 to $40,000 depending on size and features.

So the question is: how well is your sign actually covered?

Most policies carry limited sign coverage — often a $1,000 to $5,000 sub-limit — and some carry none at all. It’s worth reviewing your policy closely to confirm you have enough coverage for a total sign loss, not just minor repairs.

Why You Can’t Rely on the At-Fault Driver’s Insurance

If a vehicle strikes your sign, that driver’s auto insurance is technically responsible. But in California, the state’s minimum required property damage coverage is only $5,000 — and some drivers carry no insurance at all. If the damage exceeds what their policy covers (or they’re uninsured), you’re left covering the difference unless your own policy protects you fully.

Don’t Let Wear & Tear Work Against You

As we’ve mentioned in past newsletters, wear and tear exclusions can also affect sign claims. Sprinklers that keep your landscaping looking sharp can also be quietly corroding or water-damaging your sign’s base over time. If a sign falls due to poor maintenance rather than an external event like a collision, your claim may be denied entirely.

We recommend a once-a-year maintenance check — sanding, repairing rust, and addressing any structural wear — to keep your sign both looking good and properly protected.

The Bottom Line

Review your policy’s sign coverage limit today, not after an incident. A modest coverage increase now could save you thousands later.

Thank you for your continued business.

Sincerely,
The RKM Team