Vandalism & Theft Claims in New England

A vandalism or theft loss has two parts: the damage to the property itself — forced entry, broken windows and doors, malicious destruction, graffiti — and the stolen or destroyed contents. Both are typically covered, but each requires its own documentation. The property side needs a proper repair scope; the contents side needs a detailed, valued inventory of what was taken or ruined.

A complete claim covers securing and repairing the property, replacing damaged building elements, and recovering the value of stolen or destroyed personal property at the level your policy provides.

These claims are underpaid mostly through the contents inventory. Carriers pay depreciated cash value and count on homeowners not documenting items thoroughly or not pursuing replacement-cost recovery. They may dispute the value or existence of items without receipts, and scope the property repairs minimally.

The burden of proof sits on the homeowner, and reconstructing a valued inventory after a traumatic break-in is exactly the kind of task people get wrong when they're doing it alone and upset.

We build the claim on both fronts: a proper repair scope for the property damage and a detailed, valued contents inventory that supports replacement-cost recovery where your policy allows it. We handle the documentation burden — the part that's overwhelming to do yourself after a break-in — and press the carrier on lowballed contents values and minimal repair scopes.

After a break-in, the contents inventory is where claims get shortchanged. We handle that documentation for you and pursue full replacement value — so a stressful loss doesn’t also become an underpaid one.