Vandalism and malicious mischief go beyond physical destruction—they create a deep sense of frustration, loss of control, and personal violation. Whether it’s broken windows, spray-painted walls, slashed furniture, or damage to fences, outbuildings, or landscaping, the impact is often both emotional and financial. Most homeowners policies do cover intentional acts of damage caused by others, but the burden is on you to prove the loss was deliberate, sudden, and not connected to neglect, disputes, or vacancy.
Insurers typically require a police report, evidence of forced entry, and detailed documentation of the damage. Claims involving vacant homes, tenant-occupied properties, or ambiguous causes often face heightened scrutiny—and may be delayed, denied, or undervalued if not clearly presented. Vandalism to exterior areas, sheds, or fences is especially at risk of being minimized or excluded unless specifically addressed in your policy.
At Loti, we take vandalism claims seriously—and we ensure your insurer does too. Our team helps you document the full scope of loss, categorize it correctly under policy definitions, and separate legitimate damage from what insurers may try to write off as wear, tenant-related, or cosmetic.
OUR APPROACH
Vandalism—When Damage Is Intentional, Your Claim Needs to Be Unmistakable
File a police report immediately and secure a copy with the full case number and incident details
Photograph every aspect of the damage before starting any cleanup or repairs—inside and out
Save quotes and invoices for cleanup, repair work, security system installation, or graffiti removal
Document personal property that was damaged or destroyed, and gather any receipts, photos, or ownership records
Review your policy and ask about exclusions or limitations tied to tenant-related incidents or extended vacancy periods
Key Steps We Help You Take After A Vandalism Incident:
We also help assess whether your coverage includes enhancements for vandalism-related losses—such as landscaping replacement, temporary security, or loss of use due to unlivable conditions.
At Loti, we structure your vandalism claim for maximum clarity and impact—making sure that deliberate damage is met with deliberate action. From broken locks to ruined belongings, we organize and present the facts so your recovery moves forward without unnecessary friction or delay.
FREE RALLYBACKS
Vandalism and malicious mischief can cause significant damage to your home and personal property, resulting in costly repairs and replacements. Fortunately, most standard homeowners insurance policies include coverage for these types of incidents under the vandalism and malicious mischief peril. This peril provides financial protection against intentional acts of destruction or defacement of your property. Understanding how this coverage works, what it includes, and its limitations is crucial for homeowners who want to ensure they are fully protected.
This detailed guide will explain what the vandalism and malicious mischief peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Vandalism & Malicious Mischief Peril in Your Homeowners Insurance Policy: A Detailed Guide
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