Claim Type
Property Claims
Homeowners insurance claims covering dwelling, personal property, and additional living expenses.
Overview
Property claims cover damage to your home, detached structures, personal belongings, and additional living expenses when you are displaced. Understanding the structure of your homeowners policy is essential to evaluating your claim.
Common Damage Types
Wind & Hail
Damage from windstorms, hurricanes, tornadoes, and hail impacts to roof, siding, and exterior components.
Fire & Smoke
Structural and contents damage from fire, including smoke damage to interiors and HVAC systems.
Water Damage
Internal water damage from pipe bursts, appliance failures, and plumbing leaks. Distinct from flood.
Structural Loss
Foundation, framing, and major structural component damage requiring significant repair or rebuild.
Related Topics
What Your Policy Says
How to read your declarations page and coverage sections for property claims.
ACV vs Replacement Cost
How your property valuation method affects your payout.
Why Claims Get Denied
Common denial reasons specific to property claims.
Claim Timeline
Expected timelines for property claim processing.
Upload your documents for a structured claim analysis.
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