When a hurricane strikes, the property damage can be extensive and it  may not be covered under a standard homeowners policy.  If you live in  an area where hurricanes strike, you probably have an additional  hurricane-specific policy.  It is important to know what damage is  covered by each policy and how to properly apply the losses to each  policy. 



 Tornadoes occur every year and can utterly destroy everything in  their path.  The cleanup and recovery from such an event can be very  time consuming and difficult. 



 A fire can occur at any time for a multitude of reasons.  There are many  kinds of damage that may result from a fire, not all damage is visible  to the eye.



  Water will always follow the path of least resistance.  A simple roof  leak can travel across the building between layers of roofing material until it finds an opening through  which it enters.  At that point, it becomes obvious.  Water may also run down inside the walls where it is not visible but initiates dry rot.  It may pool between the layers and, at a later date,  expand due to freezing causing more damage long after the obvious problem has been resolved.  It takes skill to find and eliminate all of the issues related to water damage.  Dry rot or expansion damage may not be discovered for years; long after you have received an insurance settlement.  These seemingly unrelated problems may need to be addressed by a Public Adjuster who can reopen the original claim and attain a more appropriate settlement for you.



 Floodwaters are far more damaging than they might appear.  Filled with  pollutants of every kind, they become an extreme biological hazard that  must be dealt with properly.  Interiors of buildings often need to be  gutted, HazMat teams may need to be called in to facilitate appropriate  remediation of the situation.   



 Hail damage can destroy roof tops, siding, windows, automobiles, and  more.  Hail does not normally do any damage but when the hail stones  become larger, they can become tremendously destructive to virtually  anything they rain down upon.



 Lightning can strike a home or business and cause fire or electrical  damage.  Much of the damage can remain hidden, especially for electronic  devices.  This can disrupt business and personal activities which can  lead to additional losses of important information and the ability to  operate.



 Whether it is your home or your business, a theft can result in  significant loss that is not always apparent at first.  Many times, a  claim may need to be amended to account for additional losses that were  not recognized at first.   



 Vandalism can occur in many ways.  Property can be defaced, damaged, and  destroyed.  The cost of repair can be significant.  If a business has  been vandalized, it is important to ensure that any lost revenue is  properly accounted for and included in an insurance claim.  There may  also be a need to cover additional payroll expenses while the business  recovers.



 Depending on circumstances, even a relatively mild wind can do great  damage to your property.  In addition to the obvious damage, there may  be hidden damage due to property devaluation when an ancient tree is  lost severely impacting the look and value of a home or neighborhood.   



 Sinkholes are one of the most disturbing forms of disaster in that they usually give no warning and may cause sudden and complete loss of property and life.  Unlike many disasters, the land itself is no longer stable.  Rebuilding in the same location is not an option.

On occasion, a sinkhole may form over time.  Your property may still stand but it may have been condemned preventing access which would allow for the retrieval of personal possessions.  The slow motion disaster of some sinkholes can be much more difficult for some people to deal with.