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Types of Claims

There are many different events that can cause damage to your home. If you paid for a comprehensive insurance policy, you will likely be covered for all eventualities. Click on the following links to learn more about each of these types of insurance claims.

  • Fire

    Fire damage can weaken or destroy the structure of your home. If you have sustained fire damage, it is extremely important that the damage is evaluated immediately before you move back in. In cases of fire damage, you may have lost more than just your home. Your personal belongings, including clothes, documents and photographs may have also been destroyed. You can seek compensation for these losses through your insurance company.

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  • Commercial Loss

    Commercial claims are typically handled under a business owners policy or a package policy made up of many forms which may add or take away coverage. In addition, it is possible that you are dealing with an actual cash value only policy with the possibility of a co-insurance penalty being applied to the covered loss. Is there coverage for your key employees, do you have code upgrade coverage?

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  • Water Damage

    Water damage can lead to severe damage to your property. There can be rot in the wood foundation of your home. Additionally, deadly mold can begin to form that is a serious health hazard. It is extremely important that your insurance company pays attention to the details if your home has sustained water damage.

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  • Wind Damage

    A wind storm can cause severe damage to your property, by detaching parts of your structure with high powered wind, and also by blowing debris and other destructive objects into your property. If your home has sustained damage from a wind storm, contact us so we can help you file your claim and get your repairs started.

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  • Theft or vandalism damage

    If your home was vandalized you may have broken windows, electrical issues, and other property damage, not to mention sustained serious losses. Your insurance company should reimburse you for all the property that was affected. Contact our firm to file an insurance claim today.

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  • Earthquakes

    Earthquakes are not common in all parts of the country, but the damage sustained in an earthquake can be huge and life-altering. An earthquake can shake your house to the foundation, knock over your chimney, or even knock over trees into your home. If you live in California, please contact your agent to discuss whether you have coverage for this disaster.

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