Policyholder resources · Types of damage

Start with what happened.
Understand what comes next.

Explore property damage topics and the claim questions they can raise. Each resource uses plain language to explain what policyholders should understand.

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Different damage. Clear guidance.

Coverage depends on the policy, cause of loss, facts, and applicable requirements.

Fire

The visible burn area may be only part of a fire loss. Heat, firefighting water, belongings, and displacement also need attention.

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Wind

Strong winds can damage roofing, siding, windows, and other exterior components. A complete record looks beyond the most obvious missing pieces.

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Hail

Hail effects depend on the material and conditions. A qualified inspection can help distinguish storm damage from wear or other causes.

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Water

A plumbing leak, burst pipe, or other water event can affect finishes and concealed materials. The source and timing of water matter.

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Frozen Pipes

Frozen plumbing can cause extensive water damage. Policy conditions concerning heat, occupancy, and protecting the property may matter.

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Smoke & Soot

Smoke and soot can affect areas beyond the flames. Document where residue, odor, and damage are found before cleaning changes the evidence.

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Lightning

Lightning may cause fire or damage electrical equipment. Records linking the event and the affected equipment help clarify the loss.

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Theft

A theft loss can include missing property and damage caused during entry. Ownership records and inventories help document what is being claimed.

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Hurricanes

A hurricane can cause several kinds of damage at once. Wind, wind-driven rain, flood, and storm surge may involve different policy provisions or policies.

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Flood

Flooding, including storm surge, is not interchangeable with a plumbing leak. Review any flood policy separately from other property insurance.

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Tornado

Tornado losses can involve structural damage, debris impacts, and loss of use. Safe access and a complete property inventory come first.

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Snow

Heavy snow can load roofs and affect vulnerable structures. A structural professional should assess suspected movement or collapse before anyone enters.

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