In many homeowner's policies there lies an important policy exclusion known as vandalism or 'malicious mischief' - which operates to exclude coverage for any damage caused by, as the name suggests, criminal offenses against property. Examples of non-covered acts in this category could include a rock thrown at a window, BB pellets shot through a garage door, or - more seriously - theft or larceny. Most times, this exclusion contains the caveat that the insured dwelling must have been unoccupied for a period of at least thirty (30) days prior to the incident, otherwise the insurer will likely cover the costs of the loss.
Florida Court Upholds Policy Exclusion for Arson Does a 'malicious mischief' homeowner's insurance policy exclusion include acts of intentional arson?
Florida Court Upholds Policy Exclusion for Arson
Does a 'malicious mischief' homeowner's insurance policy exclusion include acts of intentional arson?
In many homeowner's policies there lies an important policy exclusion known as vandalism or 'malicious mischief' - which operates to exclude coverage for any damage caused by, as the name suggests, criminal offenses against property. Examples of non-covered acts in this category could include a rock thrown at a window, BB pellets shot through a garage door, or - more seriously - theft or larceny. Most times, this exclusion contains the caveat that the insured dwelling must have been unoccupied for a period of at least thirty (30) days prior to the incident, otherwise the insurer will likely cover the costs of the loss.
