In the case of additional damage from rain after vandalism, what does the policy cover?

In this scenario, the policy typically covers only the vandalism damage. Many insurance policies contain specific exclusions regarding subsequent damages that occur due to a previously uninsured or excluded event. In this case, if vandalism has occurred and rain subsequently causes additional damage, the insurance policy would likely only cover the initial vandalism. This is based on the principle that the policy responds to the immediate cause of loss, which is the vandalism, while the rain damage would be considered an indirect result or consequential damage not covered under the original claim.

Most insurance policies are designed to limit coverage to the specific perils outlined within the agreement, which often means that additional damages that occur due to a breach of the property (like vandalism) may not be covered unless there are explicit endorsements or policy provisions that extend coverage to those additional damages. Therefore, this aligns with the standard interpretation of property insurance policies.