Theft and Vandalism


Being a victim of theft or vandalism can be an incredibly emotionally tolling experience. If you find that your property has been stolen or vandalized, contact your local authorities immediately. The majority of theft and vandalism cases are ultimately supported through the police reports filed at the time of the incident. It is crucial that authorities are contacted in the event of theft or vandalism; it will make or break your insurance claim.

The majority of theft and/or vandalism cases are covered under your homeowner’s insurance policy. Violation of your personal property can be devastating. It is up to you, the policyholder, to make sure that the authorities have all the necessary and accurate information pertaining to your theft and/or vandalism claim. Should you later discover further theft or vandalism than what was originally reported, contact the authorities as well as your insurance provider and inform them immediately of the new findings.

Between the costs to remove damaged property, to clean and repair, and more, recovering from a theft and/or vandalism is no simple feat. Being prepared for each and every scenario will help you to rest easier throughout your theft/vandalism insurance claim process. In the case that your business is affected by theft and/or vandalism, you as a business owner may also qualify for a business interruption insurance claim.


One of the biggest issues with theft cases is whether or not the individual actually owned the said item in question. Proper inventory of your home is always highly recommended. In the instance that this unfortunately wasn’t done prior to the theft, other items such as pictures or credit card statements could possibly suffice in proving ownership.

If there is no documentation of said theft or vandalism, the insurance company then has the right to invoke an examination. At this point, it is highly recommended that you, the policyholder, look into hiring a public adjuster to represent you, and perform their own unbiased examination. Again, in instances such as these, contacting your local authorities at the point of theft and/or vandalism can support your insurance claim. If you have any questions regarding your theft claim, do not hesitate to call the knowledgeable attorneys at the Merlin Law Group.


Vandalism can occur to anyone at any time. One of the first thoughts that enter your mind upon realizing you are a victim of vandalism is, am I covered for this? Most damages and losses incurred from an act of vandalism are covered within a standard commercial property and homeowner’s insurance policies, but exceptions can occur. Coverage for vandalism to your property hinges on several possible factors. Has your property been vacant for 30 days? 60 days? Your property insurance policy might be contingent on factors such as this. It is recommended to property owners to consider a vacancy policy supplemental to their original property insurance policy to avoid such instances.

Every investment is unique and valuable in its own way, and it is highly recommended you tailor the protection of each investment accordingly. Photographic and/or video evidence has proven best in the situation of vandalism when presenting claim to your insurance company.

Tips to Preventing Home Theft and/or Vandalism

  • Keep all trees and bushes on property trimmed. Avoid any blockage of windows or doorways.
  • Keep any exterior lights and/or motion detectors mounted away from easy reach.
  • Make sure to always upkeep standard security measures, such as deadbolts, security system alarms, etc.
  • If you have sliding glass doors, considering investing in a specialized lock for them, as sliding glass doors portray easy entry.
  • Ensure that all windows have locks placed on them.
  • Notify your local police department if you notice suspicious strangers/activity in your neighborhood.
  • Do not attempt to hide a spare house key anywhere on your property.
  • When on vacation:
  • Maintain normal appearance of your home and property.
  • Arrange for your mail to be picked up or held by your local post office.
  • Consider using automatic timers to turn lights on and off in various parts of your home to feign internal activity.

If you have been a victim of theft and/or vandalism, do not suffer anymore that you already have. Please contact the experienced attorneys at the Merlin Law Group for a complimentary case review. Merlin Law Group has been defending policyholders since 1985. Call toll-free, anywhere in the nation, at 877-449-4700, and all of your questions will be answered.

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