Make sure the property is safe, file a police report, take photos and videos, secure broken doors or windows, and notify your insurance company. Keep receipts for emergency repairs and create a list of stolen or damaged items.

Many policies include coverage for stolen personal property or business property, but limits and exclusions can apply. High-value items may require proof of ownership, receipts, photos, serial numbers, or appraisals.

Yes, vandalism claims may include broken windows, damaged doors, graffiti removal, damaged locks, damaged walls, flooring, fixtures, signage, and security system repairs. The exact coverage depends on the policy.

A claim may be denied because of insufficient proof, vacancy exclusions, policy limits, late reporting, lack of police report, or disputes about whether the loss occurred as described. Reviewing the denial letter and supporting evidence is the first step.

Helpful evidence includes police reports, photos, surveillance footage, receipts, bank or credit card records, serial numbers, appraisals, inventory records, and witness statements.

If the policy includes business interruption coverage and the vandalism caused the business to close or reduce operations, lost income may be part of the claim. Financial records and proof of the shutdown period are usually needed.