Vandalism Damage Claims
Intentional property damage can be one of the most frustrating and personal types of loss. At Valor Claims Solutions, we help property owners navigate vandalism claims with precision, urgency, and a clear strategy to recover what’s owed.
What Vandalism Damage Really Looks Like
Vandalism can take many forms—from broken windows, graffiti, and spray paint to damaged doors, forced entry, destroyed fixtures, or even fire and water damage caused maliciously. Whether it’s a residential home or a commercial building, vandalism often includes both visible destruction and hidden costs like lost rent, security upgrades, and cleanup services.
Why Vandalism Claims are Often Underpaid
Carriers frequently downplay the full scope of malicious damage, especially when the repairs appear minor or the loss isn’t properly documented. Vandalism claims are also often complicated by questions of intent, coverage exclusions, or incomplete scopes.
Incomplete or Delayed Documentation
Without immediate photos, police reports, and contractor input, adjusters may claim the damage can’t be proven or wasn’t tied to vandalism.
Misclassified Damage
Insurers sometimes mislabel vandalism-related damage as wear and tear, deferred maintenance, or accidental—leading to coverage denials or lower payouts.
. Contents and Cleanup Overlooked
Damaged furniture, electronics, inventory, and necessary cleanup/remediation are often excluded or lowballed in initial estimates.
Denied Coverage Due to Technicalities
Some carriers invoke exclusions, occupancy clauses, or lapse-of-coverage arguments to deny vandalism claims—especially for vacant or underused properties.
Our Vandalism Claim Process
Vandalism claims require swift action and airtight documentation. Our process ensures nothing is overlooked, and the carrier is held fully accountable for all covered losses.
Immediate Documentation & Scope Review
We inspect the property, document all damage, review police reports, and confirm the vandalism claim is fully supported.
Estimate Creation & Claim Positioning
A detailed scope is created including structure, contents, cleanup, and any temporary repairs or security upgrades required.
Submission & Carrier Negotiation
We present the full claim and handle all correspondence with the adjuster to push for a fair and timely resolution.
Settlement Oversight & Support
We help finalize approvals, coordinate with contractors if needed, and ensure the full extent of the loss is recovered.
The Vandals Wrecked Your Property…Did Your Adjuster Wreck Your Claim?
Vandalism is intentional damage—and your insurance company should treat it that way. Let us push back on underpayments and ensure your property is fully restored.