Homeowners typically use flood and water damage interchangeably. However, there are important distinctions between these two events that will dictate whether a claim is covered under a homeowner’s insurance policy.
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roof tiles
Hurricanes and other windstorms often cause damage to your roof tiles that may not immediately manifest themselves into apparent or visible damage. This could occur do to uplift pressures on the roof systems compromising the structural integrity of the system while staying invisible to the untrained eye. This phenomenon is well described by Florida Engineer,...
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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...
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