How do I get what I'm entitled to from my Ice Damage or Snow Damage claim? Adjusters International will work with you to get recovery for your losses.
Three levels of covered causes of loss are generally available, although there are considerable variations in the details of coverage from one insurer to another. Care should be taken to compare the list of covered and excluded or unmentioned causes of loss when comparing coverage choices.
Broad Form coverage includes the following covered causes of loss:
Basic coverage includes the above covered causes of loss, except for:
Although the least expensive form, this form should be avoided as there are too many other perils not covered here that can also produce severe loss. Its most common use is as a means for underwriters to provide minimal coverage for substandard properties.
Special Form coverage applies to any risk of direct physical loss not otherwise excluded or limited. While theoretically the broadest coverage available and the most expensive, this form can be a trap for the unwary. There are a number of versions of this form with substantial variation in the wording of the exclusions—some of them even taking away coverage that would be provided under the Broad Form.
If you are wondering if your loss is covered by your insurance policy, contact the experienced public adjusters at Adjusters International. We provide personalized service and proven expertise.