Vandalism Claims Guide

Overview

Vandalism claims require proof of intentional damage by others, prompt police reporting, and careful documentation of both structural and personal property losses. Vacancy exclusions and security conditions can affect coverage.

Key Rules & Requirements

• Police report: Most policies require notifying law enforcement for vandalism or malicious mischief.
• Vacancy clauses: Some policies limit or exclude vandalism coverage if a building is vacant beyond a stated period.
• Forced entry evidence: Showing break-in points supports coverage and combats fraud concerns.
• Duties after loss: Secure the premises, prevent further damage, and provide a sworn proof of loss if requested.
• Contents valuation: Typically ACV first, RCV after replacement with receipts.

Step-by-Step Guidance

1. Call police, obtain a report number, and photograph all entry points and damage.
2. Secure openings (locks, boards) to prevent further loss and save invoices.
3. List all damaged items and structural components; note graffiti, broken fixtures, and stolen property.
4. Submit the claim with the police report and request prompt inspection.
5. Provide an itemized estimate for repairs and cleaning (odor removal, painting, replacements).
6. If requested, submit a proof of loss with supporting receipts/quotes.
7. Request payment of undisputed amounts, including emergency board-up and cleaning costs.

Required Documentation

• Police report and incident number.
• Photos/videos of damage, entry points, and missing property areas.
• Repair and cleaning estimates (graffiti removal, glass replacement, fixtures).
• Contents inventory with values and proof of ownership when available.
• Invoices for emergency services (board-up, locks, debris removal).
• Proof of occupancy to counter vacancy exclusions.

Common Insurer Tactics

• Invoking vacancy exclusions without clear evidence of actual vacancy period.
• Questioning ownership of contents to reduce payouts.
• Classifying damage as wear-and-tear instead of deliberate destruction.
• Delaying payments pending law-enforcement outcomes even when coverage is clear.

Red Flags to Watch For

• Requests for repeated sworn statements without new questions.
• Denials citing “no forced entry” when other evidence shows tampering.
• Failure to acknowledge emergency repair invoices.
• Overbroad depreciation on recently purchased items.

Best Practices for Policyholders

• Keep all security camera footage and alarm records, if available.
• Provide proof of occupancy (utilities, mail, photos) to defeat vacancy arguments.
• Use side-by-side estimates to show full cleaning and repainting needs.
• Preserve damaged items until the carrier confirms they can be discarded.
• Escalate if undisputed emergency costs are not paid quickly.

← Back to Authority Guides