Common Types of Insurance Claims
Different types of losses have different considerations, strategies, and pitfalls. Select your type of claim below for a detailed guide.
Fire & Wildfire Losses
Total and partial fire losses, wildfire-specific considerations, smoke damage from structure fires, and urban wildfire contamination.
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Smoke Damage & Contamination
Wildfire smoke vs urban wildfire smoke. Toxic contaminants like silica, arsenic, mercury, cadmium, lithium, and dioxins from burning PVC.
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Water Leak Claims
Sudden vs gradual leaks, pipe bursts, appliance failures, roof leaks, and the long-term loss defense insurers use.
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Mold Claims
When mold is covered as ensuing loss, mold limits, and common insurer tactics to deny mold-related water damage.
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Vandalism Claims
Marijuana grow damage, graffiti, break-in damage, and documenting vandalism losses for your insurer.
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Vehicle Impact Damage
Structural damage from vehicle collisions. Why you need a structural engineer and how framing damage is often underestimated.
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Sewage Damage
Sewage backups, Category 3 water, health hazards, and specialized remediation requirements.
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Flood Claims (NFIP/FEMA)
True flood damage is excluded under typical homeowner policies. How the National Flood Insurance Program works.
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Not Sure About Your Claim?
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