Vandalism & theft
Vandalism & Theft
Damage from break-ins, intentional acts, and theft of fixtures is covered under most Florida property policies, subject to specific endorsements and exclusions.
Florida first-party claim
What's typically covered
- Damage to doors, windows, and locks during a break-in
- Theft of fixtures (HVAC, copper, fixtures, appliances)
- Vandalism to interior and exterior surfaces
- Resulting damage from intentional acts
- Police report documentation costs
What carriers commonly underpay
- Theft losses valued at depreciated cost
- Cosmetic vandalism (graffiti, broken glass) underestimated
- Resulting water damage from missing HVAC ignored
- Forced-entry damage carved out as separate claim
- Vacant-property exclusions misapplied
What we do differently
- Coordinate with law enforcement on report documentation
- Build a complete inventory of stolen items with replacement values
- Document forced-entry damage as part of the same loss
- Pursue resulting damage (water from missing HVAC, etc.) within the same claim
- Review policy carefully for vacancy or occupancy provisions
Signs of damage to look for
- Visible forced-entry damage at doors or windows
- Missing HVAC condensers, copper lines, or appliances
- Graffiti or intentional surface damage
- Resulting water intrusion from removed equipment
- Theft of construction materials at job sites
If any of the above describes your situation, request a free claim review. We'll evaluate your policy and the loss before you make any decision.
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