Frustration with the insurance company

[Rajib Bahar]

Farmer Insurance agent assured me that the rental property is covered from tenant and/or vandalism damages. After the eviction process, we got back possession and discovered significant amount of damages from feces on carpets and walls, broken garage door, broken fence door, broken laundry washer, to unimaginable horrors on the trees, and landscapes. We had to replace multiple floors of carpets, paint the whole 2 floors, fix doors, fix broken drywalls, baseboards. We spent well over $10,000 on repairs and still fixing. Insurance company now refuses to share their part of the cost. Is there any options other than cutting my losses? I heard due to recent 90 mph storms big insurances are finding any excuses to not payout for claims. Is that what you're all experiencing in Texas? 

[Jason Bott]

Quote from @Rajib Bahar:

Farmer Insurance agent assured me that the rental property is covered from tenant and/or vandalism damages. After the eviction process, we got back possession and discovered significant amount of damages from feces on carpets and walls, broken garage door, broken fence door, broken laundry washer, to unimaginable horrors on the trees, and landscapes. We had to replace multiple floors of carpets, paint the whole 2 floors, fix doors, fix broken drywalls, baseboards. We spent well over $10,000 on repairs and still fixing. Insurance company now refuses to share their part of the cost. Is there any options other than cutting my losses? I heard due to recent 90 mph storms big insurances are finding any excuses to not payout for claims. Is that what you're all experiencing in Texas? 

Rajib, I understand you incurred financial losses here, but these items are typically considered "Wear and Tear".  There are always exceptions, but I would say you would be lucky if any of these items would be covered under Vandalism and not Wear and Tear.  

In regards to your last post, can you get a police report showing the activity?  Then you could make the case that there were non-renters damaging the building and it could qualify as Vandalism.