What Qualifies as Vandalism?

Vandalism is the deliberate destruction or damage of property, whether it's public or private. It can take many different forms, such as:

  • Breaking windows, lights, or doors
  • Manipulating the plumbing
  • Spray painting or defacing the exterior or interior areas of the home or building
  • Causing damage to the lawn, trees, or bushes on the property
  • Damaging locks
  • Arson (deliberately setting fire to the property)
What Qualifies As Commercial Vandalism?

Are Vandalism Claims Covered Under Your Insurance Policy?

Confirm that vandalism is covered under your insurance policy by reaching out to your provider in Irvine. Be sure to ask about any coverage limits, as some policies may only cover a portion of the loss, such as a $500 reimbursement for items worth more.

It’s also important to understand whether your policy offers market value replacement or replacement cost coverage. Market value replacement considers depreciation, providing reimbursement based on the item’s reduced value over time, while replacement cost covers the full retail price of the items, without factoring in depreciation.

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ARE VANDALISM CLAIMS AND THEFT CLAIMS COVERED UNDER YOUR COMMERCIAL INSURANCE POLICY?

Need to File a Vandalism Claim? Excel Adjusters Will Help To:

  • Advocate on your behalf with the insurance company for a fair and reasonable settlement
  • Expedite the claims process
  • Assess building damage for vandalism
  • Provide damage restoration services
  • Prepare documentation
  • Review your insurance policy coverage
  • Evaluate your compliance responsibilities
  • Investigate and measure the extent of the loss
  • Evaluate replacement cost and/or depreciation
  • Assemble business equipment claim (if applicable)
  • Assemble support data for a loss of income claim (if applicable)
  • Assess total loss claims and review insurance estimates
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Tips for Preventing Vandalism

Even though it’s not possible to fully stop vandalism or theft, you can take proactive steps to reduce the risk:

TIPS FOR PREVENTING COMMERCIAL VANDALISM AND THEFT
  • Maintain the surrounding area (trim bushes, mow grass)
  • Avoid hiding spare keys in obvious places
  • Ensure all doors and windows (including sliding glass doors) are locked
  • Install exterior lighting that is hard to deactivate
  • Report suspicious behavior to the police
  • Consider adding a security alarm system

BE PREPARED: DOCUMENT YOUR VALUABLES

Even though you can’t fully guard against vandalism, proactive actions can enhance your insurance claim process for vandalism in Irvine. Here are some steps to take:

  • Photograph your property, possessions, and both interior and exterior areas to document damage
  • Keep receipts for business-related expenses
  • Create a list of belongings inside the building
  • Store critical documents in a fireproof box or safe
  • Retain property title or ownership documents to verify ownership and substantiate value
BE PREPARED: DOCUMENT YOUR VALUABLES

WHAT TO DO IF YOU ARE A VICTIM OF VANDALISM

When vandalism occurs, adhering to these steps can make a significant difference in securing a fair and reasonable settlement for your vandalism insurance claim:

Make Sure Your Building Is Safe Before Entering

If there's a chance someone is still inside your property, dial 911 for assistance.

File A Police Report

It’s important to report the incident to the police, as this official record will support your insurance claim.

Take Photos

Make sure to take photographs of any damage caused by theft or vandalism. This documentation is key to filing your vandalism or theft insurance claim.

Contact Excel Adjusters, a Licensed Public Adjuster

Dealing with an insurance claim after vandalism can be complicated and stressful. After filing, the insurance company typically sends an adjuster for a "field scoping" inspection to evaluate the damage and estimate repair costs. However, these adjusters represent the insurer, not you, which could lead to reduced or partial coverage.

By enlisting the help of a licensed public adjuster early on, you have someone fighting for your rights and handling all communication with the insurance company. At Excel Adjusters in Irvine, we work hard to ensure you receive a fair and equitable settlement for your vandalism claim.

Prepare A List Of Stolen And Damaged Items

Once you've informed the police and contacted Excel Adjusters, create a thorough inventory of all damaged or stolen items. Include the following details:

  • Purchase dates and locations
  • Costs of each item, along with receipts, if available
  • Photos or videos of each item
  • Title or ownership documentation to prove ownership and substantiate value

Accident Form

How Excel Adjusters Can Help With Your Vandalism Claim

Excel Adjusters operates independently, meaning we prioritize your needs over the insurance company’s interests. We are here to protect your rights and guide you through the claims process to ensure a fair and just settlement for your vandalism claim. Here’s how we support you:

We’ll help to:

Notify Your Insurance Provider

Notify Your Insurance Provider

Throughout the insurance claim process, we take care of all communication with your insurance company, ensuring that everything is addressed properly and efficiently.

Advocate on Your Behalf For a Fair and Reasonable Settlement

As your public adjuster, we focus on negotiating a fair settlement for your vandalism claim. We communicate directly with your insurance provider, using our expertise to secure funds for repairs and the replacement of damaged property.

We are licensed by the state, which allows us to provide legal representation throughout the claims process. Unlike many contractors, who are not licensed by the Department of Insurance, we have the authority to represent your claim and protect your rights.

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Guide You Through The Commercial Vandalism Claim Or Theft Claim Process

Guide You Through the Vandalism Claim or Theft Claim Process

From start to finish, we’ll guide and support you through the claims process, negotiating with your insurance company to secure the best payout. We’ll also take care of all the necessary paperwork. During the field scoping inspection, we’ll be on-site to ensure the damage is accurately assessed.

Assist with Every Stage of Your Vandalism Claim

  • If your insurance provider refuses to reimburse ALE or Loss of Use costs, we can advocate for you and try to get your insurance company to pay for the living expenses you incurred in temporary housing.
  • Insurance companies sometimes try to lower repair costs, which can result in subpar repairs and unprofessional service. If you’re unhappy with the repair work done, we can negotiate with your insurer to ensure that repairs meet the "like-for-like" replacement standard, as outlined in your policy. This ensures the damaged items are replaced with those of equal value and quality. The details will depend on your policy’s terms.
  • If your claim was denied, we can challenge that decision by submitting evidence to show that your vandalism or theft claim should be covered by your insurance.
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ASSIST WITH EVERY STAGE OF YOUR COMMERCIAL VANDALISM CLAIM OR THEFT CLAIM

What We Charge

We charge a modest percentage based on the settlement amount we obtain. If there’s no recovery, we won’t charge any fees. In addition, we provide free consultations and support to guide you through your claim.

Your Rights

If your property has been damaged by theft or vandalism and you need help filing a claim, we are here to assist you.

You are entitled to a fair claims adjustment under the oversight of the State Department of Insurance. Insurance companies are required to provide compensation for your losses, and you are not obligated to accept low settlements or delayed processing on your vandalism, theft, or fire claim. Excel Adjusters will protect your rights and make sure the insurer fulfills its responsibility to provide a fair payout when liability is clear.

Get in touch with us for a free consultation to discuss your vandalism or theft claim in Irvine. We’re here to give your case the attention it deserves.

*According to the Insurance Information Institute

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FREQUENTLY ASKED QUESTIONS

How long does the process of working with a public adjuster typically take for personal property vandalism claims in Rancho Cucamonga?

Navigating through the process of filing a vandalism claim can vary in duration, with several factors at play, including the complexity of your claim. By partnering with us as your dedicated public adjuster, we pledge to optimize every step for speed and efficiency. Our goal is to secure your settlement swiftly, allowing you to move forward without unnecessary delay.

What documents and information do I need to provide to a public adjuster for my vandalism claim?

To ensure a smooth claim process following vandalism, the correct paperwork is crucial. As your trusted public adjuster, we require comprehensive insurance policy details, photographic evidence of the inflicted damage, receipts for any repairs or replacements already undertaken, and any additional records that support your claim. These will provide a solid foundation for us to effectively advocate on your behalf.

Why should I consider hiring a public adjuster for my vandalism claim?

Considering a public adjuster in Rancho Cucamonga for your vandalism claim isn’t just about streamlining the claims process—it’s about leveraging expertise to your advantage. Enlisting a public adjuster means you have an expert ally to thoroughly evaluate, document, and negotiate your claim. This professional partnership can be the difference-maker in securing a more favorable settlement outcome.

Excel Adjusters
Call:(213) 800-3333
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