What You Need to Know About Wear & Tear vs. Sudden and Accidental Damage

Are you curious about the difference between wear and tear damage and sudden and accidental damage? It’s important to be aware of the difference when filing an insurance claim, as it can have a major impact on the outcome of your claim. Read on to learn more about the difference between wear and tear damage and sudden and accidental damage!

What Is Wear & Tear?

Wear and tear is any type of deterioration that occurs over time due to regular use. This type of damage is typically not covered by your insurance policy because it is considered normal with age. For example, if your roof begins to leak after years of exposure to the elements, this would likely be considered wear and tear. If you were to file a claim for this type of damage, it would most likely be denied due to its age-related nature.

What Is Sudden & Accidental?

Sudden and accidental damage is any type of unexpected or unintentional event that causes harm or destruction. This type of damage may be covered by your insurance policy depending on what types of coverage you have in place. For example, if a tree were to fall onto your home during a storm, this would qualify as sudden and accidental damage since it was an unexpected event that caused harm or destruction. In this case, you may be able to file an insurance claim for repairs or replacements related to the tree falling onto your home.

How Can Ultra Property Damage Help?

If you need help filing an insurance claim for sudden and accidental damages in Central Florida, Ultra Property Damage can help! We specialize in assisting customers with their property claims so they can get the best possible outcome from their insurer. Our experienced public adjusters work hard to ensure our clients are fairly compensated for their losses so they can get back on track faster after an unexpected event has damaged their property.

Understanding the differences between wear & tear vs sudden and accidental damages can make all the difference when filing an insurance claim! If you're looking for a public claims adjuster in Central Florida who specializes in property claims, contact Ultra Property Damage today! Our experienced team will work hard to ensure that you receive fair compensation for your losses so you can get back on track quickly after unexpected damages occur.