Was Your Vandalism Claim Denied? Here’s What You Can Do Next
Discovering that your property has been vandalized can be stressful and overwhelming. Whether it’s spray paint on your walls, broken windows, or destroyed interiors, the emotional and financial impact is real. You do what seems like the responsible thing and file an insurance claim to recover your losses. But then comes the shocker, your vandalism claim is denied or underpaid. Now what?
If you’re facing a denied or underpaid claim for property vandalism, you’re not alone. Insurance companies often rely on technicalities or limited interpretations of policy terms to reduce payouts. Fortunately, this doesn’t have to be the end of the road. There are concrete steps you can take to fight for the compensation you deserve. One of the most effective options is working with a licensed public adjuster who can help you reopen or appeal the claim.
Let’s explore what causes claims to be denied, what your next steps should be, and how a public adjuster can become your most powerful ally.
Why Was Your Vandalism Claim Denied or Underpaid?
Insurance companies deny vandalism claims for a variety of reasons. Some common causes include:
- Insufficient Documentation
Your insurer might argue that there is not enough evidence to prove vandalism occurred. Without photos, videos, or police reports, they may claim the damage was pre-existing or caused by neglect.
- Policy Exclusions or Ambiguities
Sometimes, certain types of vandalism are excluded from coverage, especially if the property was vacant or unoccupied for a specific period. Insurers may also exploit vague policy language to avoid payment.
- Questionable Cause of Loss
If the insurer believes that the damage wasn’t caused by vandalism but by wear and tear or another covered peril, they may reject the claim.
- Missed Deadlines
Insurance policies often have strict timelines for reporting damage and submitting claims. Missing even one deadline can result in denial.
- Alleged Fraud or Misrepresentation
If the insurer suspects that the claim was exaggerated or misrepresented, they might deny it altogether, even if most of the claim is legitimate.
What To Do After a Denied or Underpaid Vandalism Claim
- Don’t Panic & Read the Denial Letter Carefully
Your first step should be to understand exactly why your claim was denied. The insurer is required to provide a written explanation. Look for specific language in your policy that supports or contradicts their reasoning.
- Gather All Your Documentation
Collect every piece of evidence you have. This includes the original insurance policy, photos of the damage, video footage (if available), receipts for repairs, police reports, and any correspondence with your insurer.
- Request a Reexamination
You have the right to dispute a claim decision. Send a formal letter to your insurance company requesting a reevaluation of your claim. Attach all relevant documents and make a compelling case for why you believe the decision was wrong.
- Consider Filing an Appeal
Most insurance companies have an internal appeals process. Be prepared to write a detailed appeal letter explaining why the denial was unjustified and back it up with hard evidence.
- Consult a Public Adjuster
This is where things can change dramatically in your favor. A licensed public adjuster works solely on behalf of the policyholder and not the insurance company. Their job is to inspect your damage, interpret your policy, prepare an accurate claim, and negotiate with your insurer to get you the maximum possible payout.
How a Public Adjuster Can Help
- Expert Policy Review
Public adjusters understand the fine print. They know how to interpret complex language in your policy and identify benefits you may not even know you’re entitled to.
- Comprehensive Damage Assessment
Most insurance company adjusters look for ways to limit the claim value. A public adjuster, on the other hand, conducts an unbiased and detailed damage assessment to ensure nothing is overlooked or undervalued.
- Reopening Denied or Underpaid Claims
Even if your vandalism claim was previously closed, a public adjuster can help reopen the case with new evidence and arguments. Their experience often means they know how to counteract insurer tactics and push for reconsideration.
- Skilled Negotiation
Public adjusters are skilled negotiators who can handle all interactions with the insurance company. They use evidence, legal knowledge, and persistence to secure a better settlement.
- No Upfront Costs
Most public adjusters work on a contingency fee basis. That means they only get paid if you do, typically as a percentage of the recovered claim amount. This incentivizes them to maximize your payout.
Don’t Let a Denied Claim Be the Final Word
It’s frustrating when your insurance company lets you down in your time of need. But remember, you have rights as a policyholder, and there are professionals who can advocate on your behalf. A denied or underpaid vandalism claim doesn’t have to mean financial loss or an endless bureaucratic battle.
Whether you’re just starting the claims process or feel like you’ve hit a wall, a public adjuster can be a game changer. They can take over the heavy lifting, deal directly with the insurer, and help you get the compensation you’re entitled to, fairly and promptly.
Take Action Today
If your vandalism claim has been denied or underpaid, don’t go it alone. Contact Funari Public Adjusters to get a policy review and consultation. Our team is experienced, dedicated, and ready to fight for your rights as a property owner.
Give us a call at 215-271-9582 to get started.
