The
following is an A-Z list of
types of insurance losses/coverages
a professional public adjuster
can help thier clients.
AIRCRAFT
- Self-propelled missiles
and spacecraft. Airplane wreckage.
Airplane parts. Misdirected
military weapons. Airplane
crashes that destroy your
home or property.
DAMAGE TO WATER SYSTEM
OR PIPES - A steam
or hot water heating system,
an air-conditioning or automatic
fire protective sprinkler
system, or an appliance or
plumbing system.
EARTHQUAKE
- Sudden movement of the earth's
crust caused by the release
of stress accumulated along
geologic faults.
ELECTRICAL DAMAGE
- Damage to your home or property,
faulty wires, or faulty electrical
equipment.
EXPLOSION
- Natural gas heater or stove.
Faulty equipment.
FALLING OBJECTS
- Damage to structures from
the weight of falling objects.
FIRE OR LIGHTNING
- Fire or lightning damage
to any covered structure.
FLOOD - A
flood is "a general and
temporary condition of partial
or complete inundation of
two or more acres of normally
dry land area or of two or
more properties (at least
one of which is your property).
FREEZING
- of a plumbing, heating,
air-conditioning or automatic
fire protective sprinkler
system or of a household appliance.
GLASS BREAKAGE
- Glass or safety glazing
material, which is part of
a building, storm door or
storm windows.
HAIL - Precipitation
of ice pellets when there
are strong rising air currents.
MOLD - A
fungus that produces a superficial
growth on various kinds of
damp or decaying organic matter.
ORDINANCE OR LAW
- The enforcement of any ordinance
or law: (1) regulting the
construction, use or repair
of any property; or (2) requiring
the tearing down of any property,
including the cost of removing
its debris.
RIOT OR CIVIL UNREST
- Damage to a structure due
to civil unrest
SINKHOLE COLLAPSE
- Sinkholes are depressions
in land surface created by
displacement of soil and/or
ground water circulating and
causing a solution of limestone.
THEFT - Attempted
or actual theft and loss of
property from a known place.
VANDALISM
- A malicious mischief. Random
acts of violence, which cause
the damage to a structure
or personal property.
VEHICLE -
Any vehicle which may have
caused damage to a structure
or personal property.
VOLCANIC ERUPTION
- Mud slides. Avalanches.
Rock slides. Falling Trees.
VOLCANIC EXPLOSION
- Land shock waves or tremors
caused by earthquake.
WATER DAMAGE
- Water damage is one of the
most common reasons people
make claims on their home
insurance.
WATER OVERFLOW
- From within a plumbing,
heating, air-conditioning,
or automatic fire protective
sprinkler system or from a
household appliance.
WEIGHT OF ICE, SNOW
OR SLEET - Weight,
which causes damage to a building
or property contained in the
building.
WINDSTORM
- Hurricanes or tornadoes
normally producing wind damage.
