Property damage

Property damage is the damage or destruction of real or tangible personal property, caused by negligence, willful destruction, or an act of nature. Destruction of property is a sub-type of property damage that involves damage to property that results from willful misconduct and is punishable as a crime.
Destruction of property encompasses vandalism, building implosion, and arson, and similar crimes that involve unlawful infliction of damage to or destruction of personal property or real property.

Property damage in insurance claims

Property damage also refers to loss of tangible property in insurance loss claims, related to residential and commercial buildings, as well as motor vehicles. In motor vehicle accidents, typically there may be loss to structures, personal items, and vehicles, which would be referred to as property damage.