Vandalism Insurance Covers All ‘Malicious’ Damage


The top New York court says property insurance against vandalism includes coverage for malicious damage that isn’t specifically aimed at the insured property.

In answering questions about New York law for an ongoing federal case, the Court of Appeals says acts not specifically directed at a property may be vandalism when they are malicious, with such deliberate disregard for others considered “willful or wanton.”

In a partial dissent, Judge Sheila Abdus-Salaam would exclude malicious acts where damaging property was not the primary intent.