Other Types of Claims
We can help you maximize your claim on the most common propertY damage
We have expertise in handling claims for residential property, commercial property, and condominiums
we can help!
IT’S NOT ALWAYS OBVIOUS IF YOU HAVE AN INSURANCE CLAIM
When you have damage to your property, and it does not fall under any other type of claim, you may still be covered! Remember, we know your insurance policy and we want to help you. A call to your insurance agent (the people who sold you the policy) usually results in a conversation where they try to discourage you from filing the claim. This response is in THEIR best interest, not yours. Reporting the damage yourself may result in a denial over the phone. When you get Alliance involved, we are truly looking out for you, and we will tell you if your damage is covered.
Other Types of Claims FAQs
Does homeowners insurance cover damage from falling trees or branches on my house?
Yes. If a healthy tree or branch falls on your home because of a covered peril (such as wind, lightning or heavy ice), your homeowners policy will pay for repairs to the structure and may cover some tree‑removal costs. However, if a tree was dead or poorly maintained, insurers can deny coverage. If a tree falls without damaging any insured structure, debris removal alone is usually not covered.
What happens if a car crashes into my house? Should I file under auto or homeowners insurance?
Damage caused by a vehicle hitting your home is typically covered by your dwelling coverage. Filing through your homeowners policy often leads to faster repairs and covers replacement cost for the structure and any needed temporary housing. Your insurer will then seek reimbursement from the driver’s auto insurer, which may only pay actual cash value and does not provide living‑expense coverage.
Does my homeowners policy cover damage caused by the weight of ice, snow, or sleet?
It does. The “weight‑of‑ice‑snow‑or‑sleet” peril covers structural damage or roof collapse caused by heavy accumulations. It may also cover ice‑dam damage if you’ve taken reasonable steps to keep your home heated and gutters clear. This coverage generally excludes patios, fences, swimming pools and other outdoor equipment, so review your policy for specifics.
Am I protected against damage caused by riots, civil commotion or explosions?
Standard homeowners policies include coverage for property damage resulting from riots, civil commotion, vandalism, malicious mischief and non‑war explosions (such as gas leaks or propane tank failures). This coverage applies to your home and personal belongings. If the damage makes your house uninhabitable, your policy also provides Additional Living Expenses to cover the extra costs of living elsewhere.
Does homeowners insurance cover damage from falling objects, like debris from the sky or a crane?
Most open‑peril policies cover damage if a falling object—such as a tree limb, construction debris or even space debris—hits and damages your house. If the object lands in your yard without damaging a structure, cleanup is typically not covered. Some policies exclude damage to certain outdoor items (awnings, fences), so check your policy language.
What if part of my home collapses due to hidden defects or weight of contents?
Collapse coverage pays for sudden, unexpected collapses caused by hidden decay, insect damage, weight of people or contents, rain collecting on the roof or defective materials. Losses resulting from long‑term neglect or gradual settling are not covered. Not every policy form includes collapse coverage, so confirm with your agent if you want this protection.
Does homeowners insurance cover smoke or soot damage even if there is no major fire?
Yes. Most policies cover smoke damage from sudden, accidental events such as kitchen fires, furnace puffbacks or nearby wildfires. This coverage helps pay for cleaning and restoration of walls, ceilings and personal belongings. Gradual smoke buildup from a poorly maintained fireplace or wood stove may be considered maintenance and could be excluded.
What does Personal Liability coverage in my homeowners policy do?
Personal Liability protects you if you or a household member accidentally injure someone or damage their property. For example, if a guest slips on an icy walkway or your child breaks a neighbor’s window, liability coverage can pay for medical bills, repairs and legal defense up to the policy limit. Liability coverage applies at home and away from home, worldwide.
What does Additional Living Expenses (Loss of Use) coverage provide?
If a covered loss makes your home uninhabitable, Additional Living Expenses coverage reimburses the reasonable extra costs of living elsewhere while repairs are made. It can pay for hotel stays, restaurant meals, laundry, temporary rental housing and storage fees above your normal living expenses. This coverage is usually a percentage of your dwelling limit, so keep receipts and work with your insurer to ensure reimbursement.
Are explosion or aircraft-related damages covered?
Yes. Homeowners insurance covers accidental explosions—such as those caused by gas leaks, propane tanks or malfunctioning appliances—unless they result from illegal activity or war. Damage caused by an aircraft crashing into your home is also covered, although such events are very rare. Both perils fall under your dwelling and personal property coverage and are subject to your policy limits and deductible.
Contact us today!
If you do have a claim our expert public adjusters will fight for you to ensure that you receive maximum compensation on your claim. We will persevere on your behalf to make sure your insurance company gives you what you deserve. We work for you not the insurance company, therefore, we have your best interests at heart throughout the entire claims process. Contact us today at 267-880-3000 or use the form below for an obligation free consultation on your water damage claim.
