Coverage forms: CP 00 10 (10/12), CP 00 20 (10/12) and CP 10 10 (10/12) – Basic Form

Facts of Loss: The commercial business building of the insured sustained damage during a shooting. The building is vacant. The insured was not the intended target of the shooting but rather other persons unknown to the insured on the outside of the building.

The named peril of vandalism is questioned to trigger coverage in that the building was not the target to create damage, but rather a person or persons on the outside to cause injury or death. The damage to the building is incidental to that intent.