Vandalism & theft claims
every item, every repair.
A break-in is two losses at once: what they took, and what they destroyed getting in. Theft claims are won with rigor — a real inventory, proof of the entry damage, and a police report that matches the claim. We handle the rigor.
The full scope of a vandalism & theft claim
Coverage varies by policy — this is what we look for, document, and pursue when it applies. The claim you file should be as complete as the loss you suffered.
- 01Forced-entry damage — Doors, frames, locks, windows, gates — the damage done getting in and out, scoped for proper repair, not the cheapest patch.
- 02Stolen contents — An item-by-item inventory with values — the difference between a fair contents settlement and a lowball lump sum.
- 03Vandalism & cleanup — Graffiti, deliberate damage, and the cleanup and restoration they require.
- 04Glass & storefronts — Storefront glass, security gates, and signage for commercial losses — often with their own coverage terms.
- 05Security restoration — Re-keying, lock replacement, and securing the property after the loss — covered costs that belong on the claim.
- 06Loss of use or rents — If the damage makes the space unusable — for you or a tenant — the policy's loss-of-use or loss-of-rents coverage may respond.
We worked the carrier side. We know where the money goes missing.
Our adjuster spent years handling property claims from inside the carrier's process. On vandalism & theft losses, these are the patterns we watch for.
Without a rigorous inventory, contents get settled as a round number that's almost always low. Item-level documentation moves real money.
A kicked-in commercial door isn't fixed with filler and paint. Security-grade repair costs more, and the claim should reflect it.
If the property sat vacant, carriers look hard at vacancy clauses. The facts and timeline need to be presented carefully and accurately.
The first days decide the claim
No countdown clocks, no pressure — just how claims actually work. Early documentation is the difference between what happened and what gets paid.
Most policies require prompt notice of a loss. Delay alone can complicate coverage — the clock starts at the damage, not when you get around to it.
Water migrates, mold can begin within 24–48 hours, smoke residue etches surfaces — and repairs made before documentation erase the proof.
Reserves and first impressions get set in the first days. What's missing from the early record rarely gets paid later.
Don't discard damaged property, don't sign off on scope, and don't accept a first offer before an independent review.
From damage to settlement, in four steps
You stay focused on your home or business. We run the claim.
Free inspection & policy review
We come to you, assess the damage, and read your policy line by line to find every coverage that applies.
We document the loss
Full photo evidence, inventory, and a detailed estimate the insurance company can't brush aside.
We fight the carrier
We file, push back on lowball offers, and negotiate directly with your insurer from start to finish.
You get paid
The settlement goes to you. We coordinate our vendors to put your property back together.
Independent facts — not our claims
Here's what government studies and regulators say about property claims and representation.
Typical claim payments were $9,379 with a public adjuster vs. $1,391 without in non-catastrophe property claims, in a state review comparing represented and unrepresented policyholders.
OPPAGA Report 10-06 (2010). Gross settlements before adjuster fees; Florida data.
After Superstorm Sandy, a federal claims review paid over $258 million in additional money to more than 15,000 flood-insurance policyholders — most in New York and New Jersey — after litigation in New York federal court revealed damage reports had been altered to reduce payments.
FEMA Sandy Claims Review, 2015–2018; U.S. Senate oversight records.
Public adjusters are licensed and regulated by the NY Department of Financial Services, and you can cancel a compensation agreement without penalty until midnight of the third business day after signing. Verify any public adjuster's license on the DFS portal — including ours.
NY Department of Financial Services.
Vandalism & Theft claim questions
Do I need a police report?
I don't have receipts for what was stolen. Am I stuck?
A tenant trashed my unit. Is that vandalism?
The property was vacant when it happened. Is that a problem?
Does insurance cover my storefront glass and gate?
What should I do first?
Had a loss? Let's talk today.
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