Residential Claims:

Common Damages/Coverages

  • A house roof with damaged, missing, and replaced shingles, showing early stages of repair.

    Roof Damage

    Roofing systems are frequently impacted by storms, wind, hail, and weather-related events that may lead to leaks and interior damage.

  • A water pipe burst through the ceiling of a living area, flooding the room with water and causing the ceiling to collapse. Water is pouring down onto the floor, damaging the furniture and objects.

    Water Damage

    Pipe failures, plumbing leaks, roof leaks, appliance failures, and water intrusion can cause extensive damage throughout a home.

  • Firefighters battling a house fire with flames and thick black smoke coming from the house. The house has a two-story structure, and firefighters are spraying water onto the flames while standing on the lawn.

    Fire & Smoke Damage

    Residential fires often result in structural damage, smoke contamination, contents damage, and significant restoration requirements.

  • A house severely damaged by a tornado with debris and fallen branches scattered on the ground, dark storm clouds overhead, and a tornado visible in the distance.

    Wind Damage

    High winds can damage roofing systems, siding, fencing, windows, and exterior structures while creating opportunities for water intrusion and additional property damage.

  • Living room with water damage, peeling ceiling, and a damaged rug. An informational overlay about personal property insurance coverage listing covered items such as electronics, furniture, clothing, appliances, and other belongings.

    Personal Property Damage

    Coverage that may apply to furniture, electronics, clothing, household goods, and other personal belongings damaged by a covered loss.

  • Man with gloves cleaning up debris after a house damage, using a shovel, next to a pile of wood and broken materials.

    Debris Removal

    Coverage that may assist with the cost of removing damaged materials and debris following a covered loss.

  • A house emitting smoke from the chimney with icy snowballs hitting a window, indicating a snowball fight.

    Hail Damage

    Hailstorms can impact roofing materials, gutters, siding, windows, air conditioning systems, and other exterior components of the property.

  • A person holds a clipboard with an insurance claim form for dwelling loss amid a home renovation site, with a man inspecting the damaged room in the background and a blue toolbox on the floor.

    Code Upgrade Coverage

    Certain policies may provide coverage for required building code upgrades during the repair process.

Free Claim Review
A person in a black jacket with ARP's Adjusters on the back is standing outside a damaged house with a sagging and partially destroyed roof, broken windows, and debris on the ground, seemingly assessing storm damage on a cloudy day.

Types of damages covered under home insurance.

Frequently Asked Questions

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