Vandalism and malicious mischief can leave property owners with costly repairs, lost valuables, and security concerns. While most insurance policies cover vandalism-related damage, insurance companies may undervalue claims, delay payouts, or dispute coverage—making it difficult to recover financially.
At FairVantage, we help homeowners and business owners navigate the claims process to ensure they receive a fair and accurate settlement.
What Does Insurance Cover?
Many homeowners' and commercial property insurance policies MAY cover vandalism and malicious damage, including:
✅ Broken Windows & Doors – Coverage includes damage from forced entry, graffiti, and shattered glass.
✅ Defaced or Destroyed Property – Insurance may cover graffiti removal, damaged walls, and destroyed fixtures.
✅ Stolen & Damaged Items – If vandals steal or destroy belongings, your policy may reimburse the loss.
✅ Structural Damage – Includes damage to roofs, siding, walls, fences, and landscaping.
✅ Security System Damage – If security cameras, alarms, or locks are damaged, repairs or replacements may be covered.
✅ Business Losses – If vandalism disrupts business operations, business interruption insurance may compensate for lost revenue.
Common Exclusions & Limitations
🚫 Vacant Property Exclusion – Some policies deny vandalism claims if the property was vacant for 30+ days without a vacancy endorsement.
🚫 Negligence or Poor Security – Claims may be denied if insurers believe reasonable security measures were not in place.
🚫 Tenant-Inflicted Damage – Some policies exclude vandalism caused by tenants unless additional coverage is purchased.
🚫 Limited Business Inventory Coverage – Commercial policies may limit reimbursement for stolen or damaged stock without proper endorsements.
Steps to Filing a Vandalism Claim
1️⃣ Report to Authorities – File a police report immediately and obtain a copy for your insurance claim.
2️⃣ Document the Damage – Take clear photos and videos of the vandalized areas and list any stolen or damaged items.
3️⃣ Prevent Further Damage – Secure broken windows, doors, and entry points to prevent additional losses.
4️⃣ Notify Your Insurance Company – Report the incident and provide detailed documentation to start the claims process.
5️⃣ Request a Professional Inspection – Some vandalism damage may be overlooked. A FairVantage expert ensures all losses are accounted for.
6️⃣ Keep Records of Repair Costs – Save receipts for cleanup, repairs, and security enhancements.
7️⃣ Review the Settlement Offer – If your insurance company underestimates your losses, you have the right to dispute the payout.
How FairVantage Can Help
Insurance companies may limit payouts. At FairVantage, we:
✔️ Conduct detailed property assessments to ensure all damage is documented.
✔️ Review your policy to maximize coverage for property repairs, stolen items, and business losses.
✔️ Negotiate with insurance adjusters to secure a fair and accurate settlement.
✔️ Assist in disputes, appraisals, and mediation if your claim is denied or undervalued.
