Willful and malicious damage is a loss resulting from an intentional act which the wrongdoer reasonably expected to result in damage. Insurance - Willful and Malicious Damage - What Constitutes. An insurance policy for vandalism or malicious mischief damage covers only those losses the immediate physical cause of which was the vandalistic act itself or an instrumentality employed directly by the wrongdoer to carry out such act. Insurance - Vandalism or Malicious Mischief - Extent of Coverage - Causation. In order to give effect to the apparent intent of the parties, an insurance policy should be construed fairly, reasonably, sensibly, and in accord with the understanding of an average purchaser of insurance. Insurance - Construction of Policy - In General. CANADIAN INDEMNITYĬASE TITLE: Frontier Lanes, et al, Appellants, v.
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