This info-graphic entitled ‘Dealing With Property Vandalism’ gives us an overview of filing property vandalism claims. Property damage can be an unfortunate but common occurrence. It’s important to make sure that your insurance company knows about any property damage, so they can help you resolve the problem as quickly as possible. Vandalism should always be reported to the police, both for safety reasons and for any insurance claims you might file down the road.
Vandalism is rampant, and as a homeowner, you're probably concerned about keeping your home safe from it. But there are a couple of conditions, though, where your home insurance policy might not cover an act of vandalism. It's a little different for condo owners or renters, though. A condo owner is only responsible for their own unit within the building. If their unit or their possessions are vandalized, their condo insurance policy would respond. If the vandal strikes the condo building's shared property, however, the condo owner's policy would not respond. Instead, the condo corporation would have to make a claim against the building's master policy. For more detail, please refer to the info-graphic below.
