Illinois Lawyer Finder

As a landlord, you should have used your legal right to inspect the property periodically. While most insurance policies cover damage that is a result of a sudden, unexpected event, such as storm damage, you may not be covered because you failed to handle routine repairs. Check the fine print on your policy to see if it covers vandalism. You or your lawyer could argue that your tenant’s hoarding was willful or ignorant destruction of property and therefore should be covered. If you try this approach, and it fails, consider contacting the state’s department of insurance about the company’s denial.