If an insured commercial building is vandalized, which of the following damages would typically be covered?

Prepare for the Illinois Public Adjuster Exam with flashcards and multiple choice questions. Each question includes hints and explanations to boost your success rate. Get ready for your test!

In the context of commercial property insurance policies, coverage usually extends to various forms of vandalism, which includes damage inflicted intentionally by external parties.

Graffiti on the side of the building, broken windows, and damage to an antenna often fall under acts of vandalism that are typically covered by commercial property insurance. For example, broken windows, which are a direct result of vandalism, can lead to significant repair costs and are usually covered by most insurance policies. Graffiti, while often considered cosmetic, can require professional removal and may also be covered, depending on the specifics of the policy.

However, damage to an antenna on top of the building may not be included in standard vandalism coverage if it is categorized as part of the building's structure that has different terms in the policy. This means that unless specifically stated, damage to antenna installations might require separate coverage or be excluded under standard terms of vandalism provisions in a commercial policy.

The correct answer highlights the complexities of commercial property insurance coverage where the term 'vandalism' encompasses certain damages, but not all. Always reviewing individual policy details is essential as coverage can vary widely depending on the insurer and the language used in the policy.

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