How to Ensure a Thorough Assessment and Compensation of Malicious Property Damage

How to Ensure a Thorough Assessment and Compensation of Malicious Property Damage


As a property owner, one of the last things you expect is to have your property damaged by anyone, let alone maliciously. However, it is an unfortunate reality that property damage sometimes occurs in this manner. Malicious property damage covers a wide range of intentional acts that cause destruction to a property and its contents. Despite the fact that insurance policies cover damage to property, you will still need to go through the process of submitting a claim to ensure that you receive accurate compensation for the damage. This post outlines tips that will aid in a thorough assessment and compensation of malicious property damage.


1. Record All Damages

The first step towards a thorough assessment is to document all the damages to the property. You can photograph the damaged part(s) of your property, take videos of the extent of the damage, and store all evidence in a safe place. This evidence will serve as proof when negotiating with the insurance company. Also, if there are any witnesses to the incident, ensure you take down their contact information.

2. File a Police Report

You should notify the police immediately, especially in cases of arson, vandalism, and other criminal activities that cause damage to your property. The police report will serve as evidence of the damage that occurred and as well as a means of tracking down the perpetrators. Providing the police report to the insurance company will expedite your claim's approval and award.

3. Contact Your Insurance Company

Make sure to contact your insurance company immediately after the incident to file your property damage claim. The claims department will advise you of the details needed to initiate your claim. Also, provide all the evidence gathered as proof of the damages you suffered. Be prepared to answer any questions the insurer may ask.

4. Hire a Loss Adjuster

To ensure that you receive the compensation you deserve, it's best to hire a public loss adjuster. A loss adjuster works for you and negotiates with your insurance company on your behalf. They will assess the extent of the damage and record a detailed report that will be presented to your insurer. The report will assist the insurance adjuster to award you the right compensation amount for your malicious property damage loss.

5. Be Patient and Persistent

The claims process can be long and complicated; therefore, it's crucial to be patient and persistent throughout. Follow up with your insurer regularly, and if you face any challenges, reach out to the loss adjuster for help. A loss adjuster can aid in getting satisfactory insurance claim compensation, which can provide you with a sense of assurance and peace.


Malicious property damage can be a traumatizing experience. The assessment and compensation process can take a toll on anyone, but following the tips outlined above can make the process a lot easier and less stressful. Ensure you document all damages, file a police report, contact your insurance company, hire a loss adjuster, and be patient and persistent throughout the entire process. Remember, getting compensation for malicious property damage is a legal right, and you owe it to yourself to receive the amount you deserve. If you're looking for a loss adjuster in Orlando, FL, contact Ultra Property Damage today for a free consultation.

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