Insurance Claim Types

COMMONLY SERVICES INSURANCE CLAIMS TYPES:

Hurricane & Wind Damage Insurance Claims

About Hurricane and Wind Insurance Claims: Typically a property insurance policy covers direct physical damage from windstorm.

If direct physical damage is obvious, such as entire roofs/walls or portions of roofs/walls blown away, then a coverage determination becomes easy. Then the major concern...

Roof Damage
Insurance Claims

Roof damage claims can be difficult to navigate for many policyholders in large part because roof damage is often difficult to accurately assess. Insurance adjusters may incorrectly attribute storm-related roof damage to preexisting factors or routine wear and tear.

In some cases, roof damage may exist but remain undetected for long periods due to the claim adjuster’s neglect to thoroughly investigate and evaluate the extent of damage.

Water and Flood Damage
Insurance Claims

It’s not hard to understand that most people do not understand the affects of water damage or even understand the insurance claim process itself.

Simply, because it’s something that you may only go through once in a lifetime. It’s for this reason you should have professionals assisting you with such damage. If improperly handled, water can cause significant and costly damages and/or sickness in your home or building. There are different types of water as well as different levels of damage to consider.

Fire Damage
Insurance Claims

Fire claims are particularly complex for the insured, and usually expensive for the insurance companies.

Do not expect the insurance company to be very accommodating. For most fire claims, the insurer will thoroughly investigate the circumstances of the fire to prevent fire claim fraud, and take measures to minimize their losses. The days following the fire are crucial for the positive outcome of your insurance claim.

Mold Damage
Insurance Claims

In the past, mold damage claims were covered under most property insurance when it resulted from a covered peril, such as a sudden plumbing leak, fire control, storm or other cause covered by your property insurance policy. Concerns have increased due to public awareness and scientific knowledge about mold and its health related hazards. The clean-up, removal and remediation techniques are costly and hazardous to the personnel completing them. In response to the public concerns, insurance carriers are removing such coverage from their policy forms regardless if it results from a covered peril. In some instances, the insurance companies offer a limited coverage for mold/fungus for an additional premium.

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