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There are many different types of policies.  In general, your policy is going to cover “acts of God”, or events that are sudden and accidental.  This includes: wind, hail, fire, damages due to an appliance or plumbing failure, sewer overflow, theft, vandalism, vehicle collision, third-party liability, etc. Most policies even cover damages incurred from 4-year- olds!

Many people think, “If it was my fault they aren’t going to pay for it.” Isn’t that what insurance is for? If it was sudden and accidental, generally, it is covered; as long as you did what you could to minimize further damage.

We offer a free policy review and can help you understand what is and isn’t covered under your specific policy.