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Professional Advice

Foro seguro de hogar: actos vandálicos causados por el inquilino

Sandra B.

Hello, I have a property that has been rented and when the contract was expired I found it semi destroyed, paintings on the walls etc…

As I have it insured with the Insurance Co. Mapfre for both Rebuilding and Content so I claimed for the loss accompanying the Guardia Civil report against these people, but they rejected to pay and I do not understand why.

Do they have a reason to exclude the claim?

Thank you

Moderator, Sergio Sanguino

Dear Sandra,

Unfortunately they are right, because the guarantee of vandalism actually includes intentional acts performed by third parties on the insured property, but excludes that “any damage or vandalism caused by the tenant or other occupants (legal or illegal ) of the house. “

This is a contractual relationship between the insured and the tenant and therefore almost all Insurance Co. policies exclude it.

Kind regards.

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