The Most Common Property Claims You Need to Know About

The Most Common Property Claims You Need to Know About

If you own property, it's essential to be aware of the most common types of claims related to property damage. From natural disasters to everyday accidents, anything can happen that may cause damage to your property. That's why it's critical to have an understanding of the most common property claims and how homeowners insurance can help protect against them.

1. Damage from Water

One of the most common types of property claims is water damage, which can be caused by anything from flood and rainwater to leaking pipes and household accidents. Traditional homeowners insurance policies often include coverage for water damage, depending on the cause, extent of damage, and type of policy you have. Ensure that you know what your policy covers to avoid surprises when filing a claim. Also, make sure that you have limited or no gaps as far as coverage on water damage since it can cause significant harm and lead to costly repairs and replacement.

2. Wind and Storm Damage

Another common cause of damage to property is severe storms, high winds, and hurricanes. Windstorms can cause property damage such as broken windows, structural damage, roof and siding damage, and even major structural damage that may affect the foundation of your home and put you and your family at risk.  It is wise to check your insurance policy and guarantee that you have adequate coverage for storm damage to avoid significant financial loss.

3. Fire Damage

Fire is one of the most destructive elements that can damage even the most well-constructed buildings. It can cause property damages like smoke damage, structural damage, and much worse. Insurance coverage for fire damage is widespread, but once again, it's vital to know your policy's exact details. Smoke damage from a fire can be especially tricky to deal with, so it’s important to have a well-detailed policy that can cover the costs related to restoring your property to its previous state.

4. Theft

Theft of valuable items like jewelry, electronics, and other prized possessions, has always been around. Homeowners insurance policies usually cover thefts, providing the items are part of the coverage. Home theft is not only financially damaging but emotionally hurtful too. It's wise to keep an accurate inventory of valuables and their associated receipts.

5. Liability Claims

Liability claims are somewhat different from the other types of claims as they protect you from legal proceedings that might arise due to negligence. For example, if a person experiences an accident on your property regardless of your fault, it is essential to have coverage in place to pay for any settlement fees. Liability claims are necessary to avoid costly legal fees that can destroy your business or property.



Accidents, natural disasters, and criminal activities can happen to anyone, including you. These events cause varying degrees of damage and financial loss, but with proper insurance coverage, expenses can be covered depending on the policy's limits and deductibles. Ensure that you are prepared for the worst by having a policy that covers the possible damages that may occur. If you need insurance claims adjusters in Orlando, FL, Ultra Property Damage can help. Contact us today for a free consultation.

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