Vandalism Claims: Break-Ins, Graffiti, and Grow Operations
Understand how insurance covers vandalism damage including break-ins, graffiti, and marijuana grow operation damage, and what you need to document to protect your claim.
Vandalism is a covered peril under standard homeowners and dwelling fire policies. It covers intentional and malicious damage to property by another person — from break-ins and graffiti to tenant destruction and illegal marijuana grow operations. Insurance companies frequently dispute these claims by relabeling the damage as “wear and tear,” making proper documentation essential from the start.
Common Types of Vandalism
- Break-in damage: Kicked-in doors, broken windows, damaged locks, and forced entry damage
- Graffiti: Spray paint and defacing of exterior or interior surfaces
- Malicious mischief: Smashed walls, ripped-out fixtures, destroyed landscaping, and other deliberate damage
- Marijuana grow operations: Moisture damage, electrical modifications, chemical contamination, structural alterations, and mold
- Tenant damage: Intentional destruction that goes beyond normal wear and tear
The Vacancy Exclusion
Most policies exclude vandalism coverage when the dwelling has been vacant for 60 or more consecutive days. However, “vacant” and “unoccupied” are not the same thing under insurance definitions. A furnished property where no one is currently living is typically considered unoccupied — not vacant — and the exclusion should not apply. This distinction matters significantly for landlords and rental property owners.
Do Not Clean Up Before Documenting
With any type of vandalism, resist the urge to clean up or begin repairs before thoroughly documenting all damage. Take extensive photos and video of every affected area. The insurance company needs to see the damage in its original state. Once you clean up, you lose critical evidence that supports your claim.
For a comprehensive guide covering the policy language, intent requirement, case law (including Bowers v. Farmers), burden of proof, and step-by-step documentation strategies, read our full article: Vandalism Claims: When Insurers Call It “Wear and Tear”.
If your insurer is disputing a vandalism claim, a licensed Public Adjuster can help document the damage, challenge improper denials, and negotiate on your behalf.
Need Help With Your Claim?
A licensed Public Adjuster can review your file and represent you in negotiations — at no upfront cost.