Most property insurance policies require “physical loss or damage” to insured property as a threshold requirement for coverage. In most property damage losses, this requirement is easily met. Fires, hurricanes, and tornadoes will cause, among other things, structural damage to the building while plumbing line ruptures will warp floors, baseboards, cabinets, and walls. There may...Read More

In order to understand whether or not you have a covered insurance claim, it is important to first understand what kind of “events” are generally covered under a general homeowner’s insurance claim. An “all-risk” policy pays for losses from damage to property when the cause of damage was direct, sudden and accidental and is not excluded from your policy. An “all-risk” policy covers all perils (causes...Read More