Incident
Discovery time, available reports and relevant communications.
Claims We HandleVandalism
Vandalism
Record the condition before repairs begin.
Intentional property damage can affect doors, windows, finishes, and equipment. Record the condition before repairs alter the evidence.
20+ YearsInsurance Claims
Experience
Experience
Multi-StateRepresentation
$50 Million+Recovered
No RecoveryNo Fee
Understand your claim
Separate intentional damage from missing property.
Broken fixtures, marked surfaces and other intentional damage need an itemized repair record. If property was also taken, keep a separate missing-item inventory. Describe the facts and preserve available incident information without guessing who was responsible.
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See the whole claim
Incident. Condition. Repairs.
Condition
Each affected surface, fixture or item before repair.
Repairs
Work descriptions, estimates and emergency securing costs.
Start here
Your next steps.
- 1
Make sure it is safe
Do not confront anyone or enter if an intruder may remain.
- 2
Report the incident
Contact the appropriate authorities and keep available report details.
- 3
Document before repair
Photograph affected locations when safe and permitted.
- 4
Secure the property
Arrange appropriate protection and retain invoices.
A closer look
Make the repair scope specific.
A room name alone does not explain the work needed.
- Location
- Room or exterior area and a matching photo reference.
- Affected item
- Door, glazing, finish, fixture or other component.
- Condition
- What changed, described without speculation.
- Proposed work
- Repair method, quantity, estimate and protective-work receipts.
Build a clear record
What should you document?
Incident reports when available
Dated photos and a list of affected components
Repair estimates and relevant occupancy or vacancy provisions
Protect people first and follow emergency instructions. Coverage, exclusions, deductibles, duties, and deadlines depend on the policy and applicable rules. A loss does not automatically establish coverage.
How UCAG helps
The policy. The damage. The documentation.
UCAG reviews the available policy and claim records, documents the reported loss, and helps policyholders understand disputed scope and payment questions. A review can address a new, denied, underpaid, delayed, or closed claim.
Look up claim terms → · Compare roofing types → · Browse all claims →
Preparedness & prevention
Improve visibility and routine checks.
A cared-for property and a clear reporting plan can help identify problems sooner.
Check access points
Repair broken locks, gates and windows. Secure unused areas without blocking required exits.
Maintain visibility
Keep entrances lit and sightlines clear. Position cameras only where appropriate and lawful.
Arrange property checks
Have a trusted person check an unoccupied property and report signs of disturbance.
Keep a condition record
Maintain dated photos and a contact list for reporting incidents and arranging repairs.
Avoid confrontation. Report active threats through emergency services and preserve incident records when safe.
Safety guidance & further reading
Straightforward answers
Common questions.
Is ordinary wear vandalism?
They are different causes. Document the actual condition and the available event evidence rather than treating every defect as intentional damage.
What if the property was vacant?
Provide accurate occupancy information. Vacancy and related policy provisions may affect coverage.
Can cleanup erase useful evidence?
Yes. When safe, photograph and document the condition first, while following authorities’ instructions and avoiding unnecessary delay to protective work.
Further reading: NAIC: Homeowners insurance. State-specific guidance applies in its stated jurisdiction. Your policy and circumstances determine coverage.
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Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012
Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012