What may be affected
- Building materials and finishes
- Adjoining areas and concealed components
- Contents, systems, and personal property
- Temporary protective work
Florida · Vandalism & Malicious Damage Claims
Secure the property. Preserve the evidence. Build the claim from facts.
Forced entry, broken finishes, damaged systems, graffiti, theft-related damage, and emergency security can create a complex property record. M&T helps policyholders organize it clearly.
Understand the loss
The facts and the damage path matter.
Preserve the scene, inventory stolen or damaged property, and separate security work from permanent repairs.
The source, timing, affected areas, and emergency-protection records help explain the facts without making coverage assumptions.
What to document
- Wide and close photographs before cleanup or removal
- Dates, conditions, and the damage path
- Receipts, estimates, measurements, and communications
- Removed materials and temporary protection
General information for policyholders. The policy, facts, and applicable evaluation control coverage and outcome.
Document before permanent repair
Do not enter an unsecured or dangerous scene or interfere with a law-enforcement investigation. After release, take reasonable steps to protect the property and keep those temporary measures documented.
- Create a dated room-by-room record of building and contents damage.
- List missing items separately from items present but damaged.
- Keep board-up, locksmith, security, cleaning, and emergency invoices identifiable.
- Preserve damaged components and samples when safe and reasonably possible.
- Collect pre-loss photographs, inventories, receipts, and serial-number records.
- Record business downtime or extra expenses without assuming coverage.
How M&T helps with a vandalism claim
We organize the law-enforcement timeline, property evidence, inventory, emergency work, and repair documentation into a supported presentation.
- Establish the record
Gather incident details, scene release, access information, and immediate protective actions. - Separate building and contents
Document damaged components, missing property, cleanup, and security work distinctly. - Build the inventory
Connect item descriptions, serial numbers, photographs, ownership records, and available values. - Present the claim
Submit organized evidence and follow claim requests within our licensed role.
Vandalism-claim questions
Do I need a police report?
Report suspected criminal activity and follow law-enforcement instructions. Policies may require prompt notice or related records; review the actual policy.
Can I board up a broken opening?
After authorities release the scene, take reasonable protective steps when safe. Photograph first when possible and keep the invoice and work description.
How do I document stolen property?
Create an itemized list with location, brand, model, serial number, age, photographs, and available purchase or ownership records.
Does the police report prove coverage?
No. It documents the reported incident. Insurance coverage still depends on the policy and claim facts.
Consumer references
Serving Florida statewide
Licensed representation for the policyholder.
M&T works for the policyholder within its licensed public-adjuster role. Coverage and payment depend on the policy, facts, documentation, and claim process.
Firm license W887877 · Jose Theodoro Nunes Weber · License W784032
Statewide response
Start with the facts of your claim.
Phone and email are required so we can respond.
General information, not legal advice or a promise of coverage, outcome, or payment. Every claim is different.
