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3 Most Common Types of Property Damage Claims

Insurance Claim process

Every year, countless homeowners and businesses face the unfortunate reality of property damage. Whether it’s due to natural disasters, accidents, or other unforeseen events, the aftermath can be overwhelming. One of the primary ways to mitigate the financial impact of such damages is by filing a property damage claim. We would like to go over the 4 types of property damage claims that are most commonly filed. 

United Water Restoration Group would like to discuss the 4 most common types of property damage claims. We hope this will help you better understand the nature of these claims and how to properly address them! Residential property damage can be challenging to navigate. It can be difficult to picture your property back at a state of normalcy after an event such as flooding or a fire. However, restoration experts at United Water Restoration Group can assist you! We can assist you in restoring your property as well as through the claims process. 

The Basics of Property Damage Claims


Property damage claims are a cornerstone of the insurance industry, providing a safety net for homeowners and businesses alike. When unexpected events occur, leading to damage or loss of property, it’s these claims that come to the rescue, ensuring financial relief and support.


At its core, a property damage claim is a structured communication between the policyholder and their insurance provider. It’s not just a simple request but a detailed account of the damage incurred, often supported by evidence like photographs, receipts, and expert evaluations. This evidence is crucial as it helps paint a clear picture of the extent of the damage, ensuring that the claim is processed accurately and fairly.


The primary objective of filing a property damage claim is to seek compensation. This compensation is determined based on the terms of the insurance policy, the nature of the damage, and the estimated cost of repairs or replacements. It’s worth noting that the compensation amount might vary, depending on factors like depreciation, policy limits, and deductibles.


Once a claim is filed, the insurance company typically sends an adjuster to inspect the damage firsthand. This professional assessment is vital in determining the validity of the claim and the appropriate compensation amount. The adjuster’s role is to ensure that the claim is genuine and that the policyholder gets a fair settlement.


However, the process doesn’t end with the adjuster’s visit. The claimant must stay proactive, keeping all relevant documentation organized and readily available. This includes repair estimates, invoices, and any correspondence with the insurance company. Being prepared can expedite the claim process, ensuring that the necessary funds for repair or replacement are received promptly.

Water Damage Claims


Water damage is an adversary that many property owners dread. Its insidious nature means it can strike when least expected, causing extensive harm and leading to significant repair costs. Given its prevalence, it’s no surprise that water damage claims are among the most frequently filed with insurance companies. Water damage is very common and 1 in 60 homeowners will file a water damage claim every year.

What Kind of Water Damage Does Insurance Cover

The sources of water damage are manifold. It could be a sudden calamity, like a flash flood or a burst pipe, or a slow, creeping issue like a roof leak or seepage through foundation walls. Each source presents its unique challenges and requires a distinct approach to mitigation and restoration.


Burst pipes, for instance, can cause immediate and widespread damage. The sudden gush of water can flood rooms, damage furniture, and even compromise the structural integrity of a building. On the other hand, a slow roof leak might go unnoticed for a long time, leading to mold growth, ceiling damage, and compromised insulation.


Floods, especially those resulting from natural disasters, can be particularly devastating. They don’t just bring water into properties but can also introduce contaminants, mud, and debris. The cleanup and restoration process after a flood is extensive, requiring the removal of water, disinfection, and often, significant repairs.


United Water Restoration Group stands as a beacon of hope for those grappling with water damage. With their expertise, they not only address the immediate effects of water damage but also delve deeper to rectify the root causes. Their comprehensive approach ensures that properties aren’t just patched up but are restored to their former glory, making them safe and habitable once more.


While water damage is a formidable foe, understanding its nuances and having experts like the United Water Restoration Group on one’s side can make the recovery journey smoother. It’s about reclaiming one’s space, ensuring safety, and restoring peace of mind.

Fire and Smoke Damage Claims


The fury of fire is both awe-inspiring and terrifying. When it engulfs properties, the devastation it leaves in its wake is often overwhelming. But the damage caused by fire is two-fold. While the flames consume everything in their path, the residual smoke has a lingering effect, causing insidious damage that can be just as challenging to address.

Fire Damage Restoration Process

The immediate aftermath of a fire is a scene of charred walls, melted plastics, and scorched furniture. The intense heat can warp structures, shatter glass, and even compromise the foundational integrity of a building. But even after the flames are doused, the ordeal isn’t over. The smoke, a byproduct of the fire, begins its silent assault.


Smoke has a pervasive nature. It seeps into the tiniest of crevices, staining walls and ceilings, embedding its acrid smell into fabrics, and corroding metals. The soot, a residue left by smoke, can tarnish silverware, discolor walls, and leave a filmy layer on surfaces. The damage caused by smoke isn’t just cosmetic; it can also pose health risks, especially to those with respiratory conditions.

Given the dual challenges posed by fire and smoke, filing a damage claim becomes paramount. Insurance claims for fire and smoke damage are intricate, given the extensive assessment required to quantify the damage. It’s not just about the visible destruction; it’s also about accounting for the hidden damages, caused by smoke and soot.

When filing a claim, documentation is key. Photographs of the affected areas, lists of damaged items, and estimates for repair and replacement can expedite the claim process. It’s also essential to act swiftly, as some insurance policies have stipulated time frames for filing claims after an incident.

In the face of such adversity, the goal is clear: restoration. It’s about reclaiming one’s space from the clutches of fire and smoke, ensuring it’s safe, habitable, and once again feels like home. With the right support, be it from insurance or restoration experts, recovery is not just possible; it’s a promise.

Storm and Wind Damage Claims


Nature, in all its majesty, can sometimes unleash its wrath in the form of storms, hurricanes, and tornadoes. These meteorological events, while awe-inspiring, can be catastrophic for properties caught in their path. The aftermath often paints a picture of uprooted trees, shattered windows, and roofs ripped apart by the sheer force of the wind.

flash floods

Storms, with their torrential rains and gale-force winds, can cause a myriad of damages. Water can seep into homes, causing flooding, while strong winds can hurl debris, breaking windows and damaging exteriors. The combination of water and wind can lead to structural issues, mold growth, and electrical hazards.

Hurricanes and tornadoes, on the other hand, are nature’s powerhouses. Their intensity can flatten entire neighborhoods, leaving behind a trail of destruction. Beyond the immediate structural damage, these events can also disrupt power lines, uproot trees, and lead to widespread community devastation.

Given the scale of damage these natural events can cause, wind damage claims become a lifeline for many. These claims are particularly prevalent in states that lie in the path of hurricanes or tornadoes. Regions like Florida, Texas, and Oklahoma often see a surge in such claims post a significant meteorological event.

Filing a storm or wind damage claim requires meticulous documentation. Photographs of the damage, meteorological reports confirming the event, and estimates for repairs are crucial. It’s also essential to be aware of the nuances of one’s insurance policy. Some policies might cover wind damage but not flood damage, necessitating separate flood insurance.

The primary objective remains restoration and recovery. It’s about rebuilding, not just homes, but lives. With the support of insurance and restoration professionals, properties can be mended, and communities can come together, proving that even in the face of nature’s fury, resilience and unity shine through.


Navigating the World of Property Damage Claims

In the vast realm of homeownership and property management, facing damages is an unfortunate but common occurrence. The key to navigating this challenging terrain lies in understanding the intricacies of property damage claims. Being well-versed in the various types of claims is paramount. Whether it’s the aftermath of a flood, the devastation from a fire, or the destruction from a storm, each scenario has its unique claim process.

The act of filing a claim goes beyond mere paperwork. It’s about ensuring that you, as the property owner, are rightfully compensated for your losses. This compensation is not just about monetary value but also about restoring peace of mind. Knowing the nuances of the claim process, from documentation to negotiation, can significantly streamline the journey.

At United Water Restoration Group, our local experts can assist you with the restoration process as well as the insurance claims process. We can assist you through every step and help make the insurance claims process all the easier for you!