Destructive and catastrophic weather events can cause a wide variety of damages to your property—no matter how well prepared we try to be. We know these weather events primarily as a hurricane, tropical storm, tornado, hail, lightning or windstorm. The damages these storms cause range from low to high impact and affect both the exterior and interior of your property. Damages we are most familiar with are hail and/or debris impact marks, blown off shingles and siding, down portions or entire fences, wind-driven rain, broken windows and ruined contents.
A water disaster can strike anytime anywhere. Generally, the occurrences are sudden and unexpected. It has been widely reported in the insurance industry that the most frequent type of loss is from water. Events such as frozen pipe leaks, broken pipes, leaks from appliances, sewage backup, water entering from an opening in roofs and other elevations of a building due to heavy or wind-driven rain are typical water losses that are covered under most risk property policies.
Fire losses are often the most devastating occurrences that can happen to a family or business. For some it is losing the place they call home or being displaced, for some it is losing the irreplaceable and priceless contents and memories they have made within, and for others it is the time and hard work spent on a project now lost. Fire damage requires important short-term decisions from individuals that are under a tremendous amount of stress and confusion. These choices can have lasting consequences on what you recover from your fire insurance claim.
All Other Damage
Property damage can come in many forms and doesn’t always fall into one notable category, however the outcome can be just as disruptive and costly. Significant losses can be seen outside of physical damage causing interruption to your business, stem from faulty installation, relate to mechanical failures, or other causes happening immediately or over a long period of time. Regardless of the reason, you deserve to know if your insurance policy should cover the damages.