Will My Homeowners' Insurance Cover Vandalism?

As a homeowner, you expect any unexpected damages to your home to be covered by your homeowners’ insurance. This includes any damages purposefully inflicted by another person without your permission – an act we commonly call “vandalism.”

So what do you do when you file a homeowners’ insurance claim for vandalism and your claim is denied? The first step is to consult a homeowners’ insurance attorney.

Vandalism IS Covered by Homeowners’ Insurance When:

  • The building was occupied; or
  • The building has been vacant for less than 30 – 60 days (see your policy); and
  • You did not give consent for the damages that were done.

If you can prove to your insurance company that you were living in your home at the time the vandalism occurred, or that it has been vacant for less than the predetermined amount of time listed in your policy for coverage to apply, then you may be able to get your claim approved. You must also prove that the damage was done without your consent.

Vandalism Is NOT Covered by Homeowners’ Insurance When:

  • The building has been vacant for an extended period of time; and / or
  • You gave permission for the damages that were done.

In most cases where vandalism claims are denied, the insurance companies argue that the building had been vacant for longer than the policy allowed. They might even try to deny your claim saying that you made the damage yourself or gave someone permission to do so. In either case, get a homeowners’ insurance lawyer on your side to help you fight for fair coverage.

Common Types of Vandalism

  • Graffiti
  • Broken windows
  • Broken light fixtures
  • Holes in walls
  • Egging
  • Trees / bushes are cut
  • Lawn / landscaping is dug up

Call (305) 967-7550 for a Miami Homeowners’ Insurance Attorney

Cohen Law is here to help you go up against your insurance company for the coverage you deserve. We can review your policy with you and help you understand exactly what can be done to get results. Contact us today for a free case consultation!