Commercial

Plumbing

The accidental discharge of water from any part of a plumbing system, or from a household appliance such as a dishwasher or air conditioner can cause significant damage.

Fire

From wildfires to overloaded circuits, a fire loss can involve more than just burnt property. There can be smoke damage, as well as water damage resulting from the water used to put out the fire. What about damage inadvertently caused when a fire truck skids into a decorative garden wall? We’ve seen it.

Wind & Rain

A windstorm need not be a hurricane or tornado to cause serious damage to a structure. A strong wind can topple trees onto a building, leaving a gaping hole. Wind or hail might cause an opening in a home’s roof or wall and allow rainwater to enter. Often rain will find a way into a home without any wind damage.

Vandalism

Toilet-papering a house on Halloween might be a childish prank, but egging expensive stucco or vinyl siding crosses a line–and could result in costly damage. From “neighbors from hell” to tenants seeking revenge when vacating, intentional human damage takes a toll in terms of both your property and your emotional well-being.

Theft

Loss by theft can involve more than a “porch pirate” making off with your online delivery. Theft can also involve dangerous intrusions into the home and result in widespread structural damage as well as the loss of personal property.

Collapse

Collapse losses can be unexpected and devastating. Fortunately, most policies include coverage for collapse under certain circumstances. Make sure you have an experienced representative guiding you through your insurance claim.

Earthquake

A California “favorite,” few homeowners’ policies automatically include this coverage. However, the prevalence of earthquakes in some states means that a standalone policy can be purchased at a reasonable cost. If an earthquake causes damage to your home, it’s important to conduct a full structural analysis to uncover the extent of the loss.

Equipment Breakdown

Most commercial and residential properties rely on complex equipment and machinery. When a piece of important equipment breaks down, it is good to know that you have “Equipment Breakdown” coverage that will cover the repairs and any resulting losses.

Business Interruption

Often when there's property damage, there's an interruption in your ability to operate your business. And when there's a business interruption, there's a loss in revenue. Whether it's a burst pipe that shuts down a restaurant or a fire that renders your warehouse inoperable, losses due to business interruptions need to be properly estimated by a trained expert.