- Feb 26, 2015
Hello, I live in a Townhouse and I have a Home Insurance with AXA. The other day I came home finding the facade full of graffiti. I claimed against my Insurance and they indicated that I am not covered for the cleaning.
However, some days later, the house that I have by my side was also damaged, this time for the release of eggs from the facade, which looks very dirty. In this case, the Insurance Co. (which is the same as mine) sent the repairers who have undertaken the cleaning of the facade.
I do not understand, are not both cases of vandalism? Why do they cover my neighbor and not me? Is it for the type of policy taken?
I await your comments. Thank You
Moderator, Sergio Sanguino
It is not the type of policy taken. The Insurance Co. has acted correctly based on the General Conditional of the Policy within the category of acts of vandalism, where it is stated they cover “the material damage caused to the insured property when vandalism occurs due to individually or collectively malicious tasks by third parties”.
In both cases this circumstance is given, which defines that in both houses vandalism occurs, but subsequently the Policy sets out a number of assumptions that are excluded from the coverage, as is the case of point 2 which states that “the damage caused by PAINTINGS, scratches, inscriptions and pasted posters are not covered “.
That it is to say, damages in your home for vandalism are excluded of warranty cover for specific mention on the policy.