UNDER CALIFORNIA LAW VANDALISM-MALICIOUS MISCHIEF ADDITIONAL COVERAGE DOES NOT SPECIFICALLY INCLUDE FIRE OR ARSON AS VANDALISM
Under California law there isn’t one reported opinion that interprets fire as vandalism. For obvious reasons fire is a covered peril under the standard fire policy. (Insurance code section 2071)
In Croskey et al., Cal. Practice Guide: Insurance Litigation (The Rutter Group 2012) 6B-26-27 it states: