Vandalism & Malicious Mischief

Claim Type

Vandalism & Malicious Mischief



A type of insurance coverage that protects against losses sustained as a result of vandals. Vandalism and malicious mischief insurance is included in most basic commercial and homeowner policies. It is important for properties that are not occupied during well-known periods of the day, such as with churches and schools. While these structures are unoccupied, they become targets by vandals because the vandals know there is reduced risk of being caught.

This coverage typically carries a higher deductible for properties that are known to be unoccupied for certain hours of the day due to the risk and frequency of loss (such as churches and schools). Vandalism and mischief is described as the intentional injury or destruction of property. Vandalism and malicious mischief can be written as an endorsement to standard policies, such as the standard fire policy, in the event that the policy requires a separate endorsement for this type of coverage.

Like the majority of methods in adjusting a vandalism and malicious mischief damage claim, the adjustment process is similar to other losses.  However, these type of losses have unique characteristics that require special attention to detail and expertise in handling such claims.

You must file a police report and the report everything that was damaged on the property.  Take a lot of photographs of the damage and retain the services of a licensed public adjuster to assist you in making a claim against the insurance carrier. can assist you in the preparation of the scope of damage to your property by preparing estimates and inventories necessay to determine the value of your loss.  This information should also be filed, as a supplement, to the police report so that law enforcement has a record of the value of the damage. will submit your claim to your insurance company, meet with the adjusters and negotiate an equitable resolution to the claim.

 Call for a consultation to explore all your options in dealing with your Vandalism & Malicious Mischief damage claim. 1-800-303-2591