Insurance policies typically provide coverage for damages caused by various
types of vandalism. Vandalism refers to intentional damage caused to someone
else's property, and it is considered a criminal act. Therefore, it
is covered under the "malicious mischief" or "vandalism"
section of most insurance policies. Here are some types of vandalism that
are typically covered by insurance:
It is important to note that not all types of vandalism may be covered
under your policy. For example, if the vandalism was committed by a family
member or someone who was invited to your property, the damages may not
be covered. Additionally, if the damage was caused intentionally by the
homeowner, it will not be covered under the policy.
When filing a claim for vandalism, the homeowner should provide evidence
of the damage, such as photographs or videos, and contact the police to
report the incident. The insurance company may require a police report
to process the claim.
In summary, most insurance policies cover damages caused by various types
of vandalism, including graffiti, broken windows, damage to doors, arson,
theft, and damage to personal property. Homeowners should review their
policy carefully and report the incident to the police and insurance company
as soon as possible to make room for a smooth claims process.
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