Malicious damage and riot claims.
Vandalism, arson short of a full fire loss, civil disturbance and tenant damage. Each has different cover and each needs an evidence trail suitable for the insurer.
What this claim really involves.
Malicious damage claims often get bogged down in the cause. Was it a tenant, a third party, a civil disturbance, or a policyholder-adjacent event that is excluded? We help policyholders evidence the loss properly and get past the coverage question quickly.
Where malicious damage claims go wrong.
The things we most often see mis-handled when a policyholder tries to run this type of claim on their own.
No cost. No obligation. We will tell you within one conversation whether this is a claim worth pursuing.
Start a free reviewCommon issues we see
- Insurer treating tenant damage as an excluded landlord risk without checking the wording
- Riot cover applied inconsistently across similar incidents
- Arson short of total loss under-scoped on smoke and structural remediation
- CCTV, police reports and witness statements not gathered while they are still available
What KBR Management does
- Gather police, CCTV and witness evidence quickly
- Argue cover on wording, including riot damage under specific extensions
- Prepare full scope covering primary damage and consequential losses
- Coordinate with the landlord tenant where relevant to prevent recurrence
How to appoint us
Call an assessor on 0800 980 2230, or send a note through the free review form. Please include the property postcode and, if you have it, the name of your insurer and the policy number. We will read your policy, look at the loss, and tell you honestly where you stand.
There is no obligation to appoint us after the free review.
About malicious damage claims
Answers to the questions we hear most often about this claim type.