Tenant Damages / Insurance Question (USAA)

[Tiffany Brewer]

My husband and I have one rental property in South Carolina - our previous home that we were unable to sell. We live in Tennessee, and it has been managed for the past 4 years by a neighbor/friend. The tenants (our second set of tenants) that were just evicted were there for 20 months. Our neighbor did regular check-ins, and made repairs as needed. His last check was in March, and things were in good shape. However, that is also the time that the wife moved out. They stopped paying in June, and we had them evicted by July 3rd. The place was completely trashed (some clear vandalism - neighbors saw the teenage son throwing concrete blocks into the pool, urinated on the floor, wrote on walls, and smeared feces on the wall). Other things are less clear - siding torn off of the house, all screens and blinds torn apart, all appliances ravaged, wood floors smashed. There are also things like a cockroach infestation (again, not present in March), cabinets needing to be replaced due to sink leakage that we were never told about. We have a lease and rental property insurance coverage.

What should we expect out of insurance? We have USAA Rental Property Insurance.  This obviously goes way beyond normal wear and tear, but some of it is also not technically vandalism.

Also, I did check on the renters with a previous landlord before they moved in, but didn't do a background check. However, I don't think we could have planned on this, because it seems to be directly related to the wife moving out. Either way, we are definitely beating ourselves up for not doing a more formal check.