From graffiti to broken windows and fencing—or more severe destruction such as arson or break-ins—the consequences of intentional acts of property damage can occur unexpectedly and leave homeowners with a deep sense of violation as well as expensive repairs.
In Canada, standard and comprehensive ‘all-risks’ home insurance policies usually include coverage for vandalism or malicious acts. Although these claims are typically considered ‘no-fault’ or ‘not-at-fault’, multiple claims could impact your rates. It’s important to note, however, that some very basic, no-frills insurance policies do not cover damages to your property caused by these types of acts.
It's essential to review your specific home insurance policy and consult with your insurance provider to understand the terms and exclusions of your coverage relating to willful acts of damage to your property. If your insurance does not cover intentional acts, you may be able to obtain specialized coverage or additional riders for specific risks.
Preventative Measures
To minimize the risk of intentional acts of destruction and protect your property, you need to take preventative measures to ensure the safety of your home. These actions can not only help deter potential perpetrators, but they can also provide a stronger case if legal action is pursued.
While it's impossible to entirely eliminate the risk of malicious property damage, the restoration specialists at ServiceMaster Restore have compiled this list of 10 basic steps to help reduce the likelihood of such incidents occurring at your home.
1. Security Systems: Install high-quality security systems that include motion-activated surveillance cameras with night vision, cloud storage and alarms. Place visible signage on your property to clearly indicate that it is under surveillance, to discourage potential perpetrators from targeting your property. Surveillance cameras can also provide evidence of an incident after the fact, for both insurance and legal purposes.
2. Outdoor Lighting: Ensure that the exterior of your property is well-lit throughout the night. A well-lit property is a deterrent, making it less appealing to individuals with malicious intentions.
3. Secure Entry Points: Reinforcing the strength and security of your property's doors and windows can significantly reduce break-ins and forced entry attempts. Install high-quality locks or deadbolts on all entry points and impact-resistant glass on windows. Consider using security bars or shutters to make it more difficult for perpetrators to gain access.
4. Fencing and Gates: Install sturdy fencing around your property and consider adding gates with locks to control access and create a physical barrier to discourage trespassing or vandalism.
5. Maintain Visibility: Trim trees, shrubs, and other landscaping elements that may provide hiding spots or obstruct your view of your property. Maintaining visibility enhances natural surveillance and makes it less appealing for individuals to engage in criminal activities.
6. Neighbourhood Watch: Foster positive relationships with your neighbours. Participate in or establish a program where neighbours look out for each other's properties and encourage open communication regarding safety concerns and incidents. A tight-knit community can deter potential criminals.
7. Communication and Reporting: Promptly report any suspicious activities or acts of vandalism to appropriate authorities. File police reports for all incidents and take legal action against repeat offenders. Legal action can serve as a deterrent.
8. Vacant Property Protection: If you have a vacant property, take extra precautions to secure it. Install timers for lights to create the appearance of occupancy, arrange for regular property inspections, and consider hiring a property management company to oversee its maintenance and security.
Although preventive measures can reduce the risk of intentional acts of property damage, they cannot guarantee complete avoidance. Stay vigilant and proactive in securing your property and promptly report any incidents to the authorities.
Contact ServiceMaster Restore as soon as possible if intentional property damage occurs at your home. Our experienced restoration specialists and appraisers can quickly assess the damage to your property and help prevent it from worsening. We will guide you through every step of the process, helping to restore your property—and your peace of mind—as quickly and efficiently as possible.