Top Types of Claims & How to Handle Them

Top Types of Claims & How to Handle Them


Accidents and disasters can happen to anyone, and it's crucial to know how to handle them, especially when it involves your property. Dealing with property claims can be tricky, but understanding the types of claims can help you navigate the process with ease. In this blog post, we'll go through the top types of claims and how to handle them, so if you're looking for property claims in Orlando, Florida, this post will provide you with informative insights. To simplify this process further, you can reach out to Ultra Property Damage, and their professionals can provide you with a free consultation.


Water Damage Claims

Water damage is a common type of claim that homeowners experience. Water damage claims happen mostly due to old pipes, appliances, leaks, or natural disasters, leading to damaged property. It's important to act quickly and limit any further damage by turning off the main water supply. Contacting a professional for a proper inspection and assessment will help you know the extent of the damage. Depending on the insurance policy and the cause of the damage, your insurance company will handle the claim differently.

Fire and Smoke Damage Claims

Fire and smoke damage claims can be traumatizing. They can leave behind a trail of destruction, which can be overwhelming to handle. If you experience this, ensure that everyone is safe, and then call the fire department. After the fire department takes over, contact a restoration company to assess the damage. Take before and after photos of your property as this helps accumulate evidence to support your claim. Insurance policies vary on coverage for fire and smoke damage claims, so it's crucial to read and understand your policy before any damage occurs.

Wind and Storm Damage Claims

Living in Florida, we're no strangers to hurricane season, and it's common for homeowners to experience wind and storm damage. After the storm, ensure you're safe and then assess the damage. It's vital to take photos and be specific about what the damage is. After that, contact a professional restoration company and your insurance company. In most cases, your insurance coverage will depend on the cause of the damage and the insurance policies you have.

Theft and Vandalism Claims

Homeowners may experience theft and vandalism to their properties, and it's important to document any stolen or damaged items and report it to the authorities immediately. Then, contact your insurance company and report the crime. Insurance policies for theft and vandalism claims vary and may require additional documentation beyond a police report.

Liability Claims

Liability claims happen when someone gets injured or damages their property while in your home. It's crucial to contact your insurance company immediately, as this can involve legal actions. Ensure that you get the involved party's details, including their name, contact information, and what happened. Your insurance company will most likely investigate the incident and have legal representatives for you.



As a homeowner, knowing the various types of claims and how to handle them can help you manage the situation, and minimize stress and financial burdens. It's important to have a reliable restoration company and insurance policy in place to help you navigate the claims process. If you seek property claims in Orlando, Florida, Ultra Property Damage can offer you a free consultation, guiding you through the process and getting you the best results. Remember, it's crucial to read and understand your policy before any damages or accidents occur, so you know your coverage and the process to follow in-case of damages.

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