The short answer
Vandalism is a named peril under comprehensive coverage. File a police report within 24 hours — insurers require the report number. Single-event vandalism (all panels keyed the same night) is one claim and one deductible; repeat events over multiple nights are separate claims.
Frequently asked
- Will filing raise my rate?
- Comp claims are generally not chargeable in most states, but multiple in three years can trigger surcharge or non-renewal.
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