• Fire damage – Includes electrical and non-electrical fires ranging from kitchen fires, to vandalism, brush and accidental arching or explosion.
  • Smoke damage – Usually from a kitchen occurrence or a neighboring fire.
  • Water damage – Includes pipe breaks, dishwashers, water heaters and softeners, air conditioners, refrigerators, toilets, baths and showers.
  • Vandalism – Includes malicious mischief, breaking and entering, graffiti, copper pipe theft and fire.
  • Sudden impact – Includes car collisions with property, fallen trees and hail.
  • Earthquake damage.
  • Collapse.
  • Sinkholes.
  • Business interruption.