What Qualifies as Vandalism?

Vandalism involves the intentional destruction or damage of property, whether belonging to the public or private individuals. It can be carried out in a number of ways, including:

  • 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?

It’s crucial to ensure that your insurance policy includes vandalism coverage. Contact your insurance provider in Santa Clarita to clarify the details, especially regarding coverage limits. Some policies may only provide reimbursement for damages up to a set amount, such as $500, even if the total loss is higher.

Be sure to ask whether your policy offers market value replacement or replacement cost coverage. Market value replacement deducts depreciation, meaning you’ll be reimbursed based on the item’s current value. On the other hand, replacement cost coverage reimburses the full price of the item at current market rates.

Contact Us
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
Contact us Today

Tips for Preventing Vandalism

Although you can’t fully prevent vandalism or theft, you can implement several strategies to decrease the chances of it happening:

TIPS FOR PREVENTING COMMERCIAL VANDALISM AND THEFT
  • Keep your property area maintained (trim bushes, mow grass)
  • Don’t leave spare keys in obvious spots
  • Lock all doors with deadbolts and windows, including sliding glass doors
  • Set up exterior lighting that can’t be easily turned off
  • Report suspicious activity to authorities right away
  • Install a security alarm system for extra protection

BE PREPARED: DOCUMENT YOUR VALUABLES

While it’s impossible to entirely prepare for vandalism, taking proactive steps can improve your chances of a successful vandalism insurance claim in Santa Clarita. Consider the following actions:

  • Document potential damage by photographing your property, possessions, and interior/exterior areas
  • Save receipts for any business-related purchases
  • Create a list of all belongings in the building
  • Keep important documents in a fireproof box or safe
  • Hold onto title or ownership papers for your property to prove ownership and value
BE PREPARED: DOCUMENT YOUR VALUABLES

WHAT TO DO IF YOU ARE A VICTIM OF VANDALISM

In the event of vandalism, taking these steps can help ensure you receive a fair and reasonable settlement for your vandalism insurance claim:

Make Sure Your Building Is Safe Before Entering

If you think there may be someone inside your property, don't hesitate to call 911.

File A Police Report

Contact the police to file a report, as having an official record is important for your insurance claim.

Take Photos

Take clear pictures of the damage caused by the theft or vandalism. This step is crucial for documenting the incident and will aid in your claim process.

Contact Excel Adjusters, a Licensed Public Adjuster

Filing an insurance claim after vandalism can feel overwhelming. When you submit your claim, the insurance company will likely send an adjuster to conduct a "field scoping" inspection to evaluate the damage and determine repair costs. However, it's important to understand that the adjuster works for the insurance company, which may lead to lower compensation or limited coverage.

By hiring a licensed public adjuster early, you can have an expert on your side who will negotiate directly with the insurance company. At Excel Adjusters in Santa Clarita, we represent your interests and strive to secure a fair settlement for the vandalism damage to your property.

Prepare A List Of Stolen And Damaged Items

Following your police report and consultation with Excel Adjusters, compile a detailed list of all items affected by the damage or theft. Be sure to list:

  • 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 is an independent firm, so our primary concern is advocating for you—not the insurance company. We’re dedicated to ensuring your rights are upheld and will work to secure a fair settlement for your vandalism insurance claim. Here’s how we assist:

We’ll help to:

Notify Your Insurance Provider

Notify Your Insurance Provider

All communication with your insurance company is managed by us, ensuring that the entire claim process runs smoothly and promptly.

Advocate on Your Behalf For a Fair and Reasonable Settlement

We are committed to negotiating a fair and just settlement for your vandalism claim. As your public adjuster, we handle all communication with your insurance company, using our knowledge to ensure you receive the funds needed for repairs and to replace damaged belongings.

With our state license, we provide legal representation during the entire claims process. Unlike contractors who lack Department of Insurance certification, we have the legal authority to represent your claim and fight for your rights.

Maximize Your Payouts
Guide You Through The Commercial Vandalism Claim Or Theft Claim Process

Guide You Through the Vandalism Claim or Theft Claim Process

Our role is to support you throughout the claims process, from providing expert guidance to negotiating payouts with your insurance company. We’ll also handle any paperwork involved. During the field scoping inspection, we’ll be present to ensure the damage to your property is thoroughly evaluated.

Assist with Every Stage of Your Vandalism Claim

  • If your insurance company is refusing to reimburse ALE or Loss of Use expenses, we can negotiate with them to ensure you are compensated for the costs of living in a temporary residence.
  • Sometimes, insurance companies try to minimize repair costs, which can result in inadequate repairs and unprofessional restoration services. If you are unsatisfied with the quality of repairs, we can help you negotiate with your insurer to ensure the "like-for-like" replacement standard from your policy is honored. The extent of your entitlement will depend on the terms of your policy.
  • If your insurance claim is denied, we can challenge this decision by presenting the necessary evidence to prove that your vandalism or theft claim should be covered.
Get Help Now
ASSIST WITH EVERY STAGE OF YOUR COMMERCIAL VANDALISM CLAIM OR THEFT CLAIM

What We Charge

We only charge a small percentage based on the settlement we achieve for you. If no recovery is made, there are no charges or fees. Plus, we provide free consultations and ongoing support for your claim.

Your Rights

If your property has been affected by vandalism or theft and you need help filing a claim, we’re here for you.

Under the regulation of the State Department of Insurance, you have the right to a fair settlement. Insurance companies are required to compensate you for your losses, and you don’t have to accept low offers or delays in processing your vandalism or theft claim. Excel Adjusters works to protect policyholders and ensures insurance companies meet their obligations to provide fair compensation.

Reach out for a free consultation to discuss your vandalism or theft claim in Santa Clarita. We’re committed to handling your case with the attention it deserves.

*According to the Insurance Information Institute

happy meeting

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
Skip to content