Residential Property Claims

Homeowner’s insurance provides financial protection in the event that your home is destroyed or damaged due to an unforeseen event. In addition to the structure of your home, most homeowner’s policies also cover personal property contained within your home.  Residential claims account for a majority of the insurance industry’s payout cost throughout the years.  It is not uncommon to see insurance companies cleaning and repairing objects when they should be replaced, patching roofs when they should be re-roofed entirely, or imposing unreasonable time lines on claimants in an effort to control these costs and settle claims.  Keep in mind, when filing an insurance claim that you and the insurance company have opposing interests.

 

Residential Property Claim Types:

  • Insured Renters
  • Residential Homes
  • Apartments
  • Condominiums
  • Farms and Ranch Properties

 

Types of Losses:

Fire, smoke, collapse, broken pipes, Kona storms, Tsunami, vandalism, hail, wind, tornado, hurricane, inundating rain, flood, third party damages, and other catastrophic destruction that has occurred to your property.

Types of Claims:

Dwellings, garages, and other structures, personal property, fencing, storage buildings, sheds. There are usually coverages for additional living expenses, displacement, temporary relocation, protection cost related to your property, temporary repairs and more.