Theft, vandalism and damage by third parties

losses for theft, vandalism and damage caused by third parties usually require two tasks: technically proving how the event occurred and quantifying the actual damage. When the insurer discusses coverage or amount, an independent expert report provides order and judgment.

This type of expert opinion is always based on the police report and the evidence that exists. The expert does not replace the criminal investigation; complements the technical evidence.

Common situations

• Robbery with force in a home, premises or vehicle.
• Acts of vandalism: graffiti, breakages, arson.
• Damage caused by vehicles parked or in circulation.
• Damage caused by adjacent works or communities.
• Partial theft with damage to access and locksmithing.

What is analyzed in the report

• Compatibility of the damage with the reported event.
• Entry route, tools used and access mode.
• Material scope of the damage, distinguishing what is consequent from what is pre-existing.
• Replacement and repair cost with market criteria.
• Documents and communications crossed with the insurer.

Prove the fact

In many cases the sticking point is not the amount, but whether the event is covered. The insurer can claim that there is no violence on the things, that the door does not present clear signs or that the vandalism is prior. A technical expert report documents:

• Condition of doors, windows and locks.
• Traces of lever, cutting or forcing.
• Compatibility of damages with the insured’s story.
• Temporal coherence between damage and complaint.

Useful documentation

• Complete police report.
• Photographs before and after loss.
• Insurance policy and particular conditions.
• Communications with the insurer and with the company expert.
• Invoices for stolen or damaged goods.

Differences from other IRD reports

Theft and vandalism share a methodology with other IRD expert reports, but their critical point is in the accreditation of the fact. In fires, the technical cause is analyzed; Here the mechanics of the damage and its compatibility with what was reported are analyzed.

When it is appropriate to have an independent expert

• When the insurer denies coverage due to lack of evidence.
• When there are disagreements about stolen goods.
• When the causer is an identified third party and his insurance disputes fault.
• When a judicial or extrajudicial claim is raised.

If the case leads to criminal proceedings, coordination with a lawyer is essential. The expert report does not assess guilt; provides technical evidence.

Next steps

• Please refer to engagement process.
• Review IRD specialty.
• Write from contact or help center.