Theft & Vandalism Damage Claims
Theft and vandalism losses can be emotionally overwhelming, financially damaging, and difficult to document correctly. Insurance companies heavily scrutinize these claims, often requesting extensive proof and sometimes even suggesting the homeowner failed to secure the property properly.
At Aviva Insurance Adjusters, Inc., we know how to build, document, and negotiate theft and vandalism claims to ensure you are fully compensated for both the stolen property and the damage caused during the break-in or malicious act.
Let us prepare the documentation and deal with the insurance company while you focus on restoring your home or business.
Have You Experienced Theft or Vandalism Damage?
Theft and vandalism claims require meticulous documentation and precise policy interpretation. Insurance companies may request:
- Police reports
- Receipts
- Photos of stolen/damaged items
- Proof of forced entry
- Home inventory lists
- Alarm records or surveillance footage (if available)
- Even when documentation is provided, insurers frequently undervalue losses or deny coverage for items they deem “unsupported” or “pre-existing.”
- Before filing or responding to the insurer, let us review your situation at no cost.
Why Theft & Vandalism Damage Claims Are Difficult
The challenge with theft or vandalism claims isn’t always the replaced value of stolen items—it’s the associated property damage caused by the incident, such as:
- Broken doors or windows
- Damaged locks or door frames
- Pried-open cabinets or safes
- Broken furniture
- Ransacked rooms
- Graffiti on walls or exterior surfaces
- Electronics ripped from walls leaving damage
- Fires or flooding caused intentionally by vandals
We routinely see insurers attempt to:
- Blame “prior damage”
- Reduce the value of stolen items
- Challenge ownership
- Reject lack of receipts
- Limit vandalism coverage based on policy exclusions
A public adjuster ensures these traps are avoided.
Collateral Theft & Vandalism Damage — What Does It Mean?
Thieves and vandals rarely leave without causing extensive property damage. These secondary damages are fully covered but often ignored by insurance companies.
Examples of Common Collateral Damage
Example 1: Forced Entry Damage
A burglar pries open a door or window, splintering the frame. Even if the break appears small, the entire door frame, molding, and sometimes the adjacent drywall must be replaced.
Example 2: Damaged Flooring and Furniture
Intruders stepping over furniture or forcing cabinets open often break hinges, flooring, and structural pieces. These are legitimate insurance-covered damages.
Example 3: Electronics Pulled from Walls
Televisions, security devices, or smart home systems ripped from walls leave behind:
- Torn drywall
- Exposed wiring
- Damaged mounting brackets
All must be included.
Why You Shouldn’t Rely Only on the Insurance Company’s Adjuster
Theft and vandalism claims are frequently underpaid because insurers:
- Demand excessive documentation
- Claim items are depreciated
- Demand proof of ownership you may not have
- Challenge the value of stolen items
- Minimize forced-entry damage
- Exclude items based on “wear and tear”
A public adjuster ensures:
- Inventory lists are professionally prepared
- Alternate proofs of ownership are accepted
- Forced-entry damage is fully included
- Structural damage is documented
- Policy limits and special coverages are enforced
- You receive a fair valuation for all losses
Get a FREE Theft & Vandalism Inspection & Consultation
We provide:
- Full documentation assistance
- Professional inventory preparation
- Evidence gathering
- Damage assessment
- Claim filing and negotiation
- Policy interpretation and review
Call us now — 877-351-1933
We’re ready to discuss your claim immediately.
Claim Your Insurance
The insurer’s job is to protect their profits.
Our job is to protect YOU.
Signs of Theft or Vandalism Damage You Might Overlook
- Slight gaps around windows (forced entry)
- Loosened lock mechanisms
- Fresh scratches around door hardware
- Damaged molding or trim
- Missing small valuables you haven’t noticed
- Electrical issues after electronics were stolen
- Hidden graffiti behind moved furniture
These all support your claim and should be documented.
Frequently Asked Questions About
Vandalism / Theft Damage Claims
Do I need a police report?
Yes—most insurers require one before processing the claim.
What if I don’t have receipts?
We can help establish alternate proof of ownership.
Does insurance cover vandalism?
Yes—vandalism is a standard covered peril.
Does insurance cover stolen cash?
Policies often have very low limits—sometimes $200–$500.
What can I do to strengthen my claim?
Call a public adjuster before filing—documentation is everything.