vandalism News

Court Says Policy’s Vandalism Exclusion Doesn’t Bar Coverage for Arson

Setting fire to a house is much more than an act of vandalism and if insurers want to exclude such damage from coverage they had best use the term “arson” in policy exclusions, the U.S. 6th Circuit Court of Appeals …

Vacancy Exclusion Applies to Vandalism But Not Arson Loss

A federal court in Ohio, faced with the question of whether a vacancy exclusion applied in the case of arson, a matter of first impression in that state, attempted without success to get the answer from the Supreme Court of …

Owner of Limo Torched in Washington D.C. Protest Says Insurance Unlikely to Pay

Insurance likely won’t cover the damage to a limousine set on fire during an Inauguration Day protest in Washington, the limo company president says. Muhammad Ashraf, the president of the Virginia-based Nationwide Chauffeured Services, said Monday that replacing the car …

Farmers: Rising Temps Leads to More Auto Thefts and Vandalism

Theft and vandalism is the leading cause of non-collision auto claims in the summer, according to the latest Seasonal Smarts Digest from Farmers Insurance. Among Farmers Insurance customers during the two year period of 2013 and 2014, almost 30 percent …

California Court Finds That Fire Caused by Vagrant on Premises is Not Excluded

So, the tenants have moved out and you’ve turned off the gas and electric utilities. However a fire burns the house down. You turn the claim over to your insurance company for coverage. The insurance company investigates the claim and …

A Homeowner Policy’s Vacancy Exclusion Includes Arson in Florida

Homeowner policies contain a vacancy exclusion. Under the terms of the standard vacancy exclusion, damage caused by “vandalism and malicious mischief” are excluded from coverage. However, is arson encompassed within the phrase “vandalism and malicious mischief?” That issue was recently …

Oklahoma High School Football Gear Destroyed by Vandals

Oklahoma authorities are searching for vandals after high school football equipment worth thousands of dollars was destroyed. The Grady County Sheriff’s Office said Sunday that Bridge Creek High School’s weight room and locker room were trashed over the weekend. Benches …

Forestry Group Offers Reward in Machine Vandalism

The Jefferson Davis County Forestry Association is offering a $5,000 reward for information leading to the arrest and conviction of those responsible for the destruction of logging machinery on Oct. 27 in Lawrence County near the Georgia Pacific paper mill. …

Vandals Damage, Shatter Windows in Northwest Georgia

Authorities say windows at between 35 and 40 businesses in Dalton, Ga., have been damaged or shattered by vandals. Police spokesman Bruce Frazier tells the Dalton Daily Citizen the suspects either shot or threw rocks at the businesses early Tuesday …

Vandalism, Fire Losses and the Doctrine of ‘Inferred Intent’

Property subrogation professionals routinely see cases involving fires caused by uninsured minors playing in buildings. Subrogation is the business of recovering money, not punishing delinquent children. Often carriers won’t pursue subrogation cases against uninsured minors for fear of throwing good …