Know what caused it. Know who to chase.
Each guide walks you through one type of loss: how it happens, who may be responsible, the proof to get, and the letters to send.
Water
Leaks, bursts, backups, and water that ended up where it shouldn't.
Water Heater Failure
Tank corrosion, anode rods, installation, service, age from serial numbers
Open guide →HVAC Failure
Condensate overflows, secondary pans and float switches, service contracts, HVAC fires
Open guide →Supply Line and Appliance Leaks
Toilet and faucet lines, washer hoses, ice maker lines, dishwashers
Open guide →Water Softener Failure
Brine tank overflow, drain line during regeneration, bypass valves, leased and dealer-serviced units
Open guide →Well Pump and Pressure Tank Failure
Stuck pressure switches, missing relief valves, tank failures, well house fires, licensed well contractors
Open guide →Sewer and Water Main Backups
Laterals vs. mains, notice-of-claim deadlines, governmental immunity, camera inspections
Open guide →Frozen Pipes
Vacant buildings, contractors, heating and fuel companies, hose bibs, alarm company waivers
Open guide →Pools, Spas, and Irrigation
Heater fires, pump fires, underground leaks, irrigation near foundations, water bills
Open guide →Water Left Running in Vacant Homes
Real estate agents, lockbox logs, inspectors, tenants, family members
Open guide →Water from a Neighbor's Home
Units above and next door, condo declarations, runoff, sump pumps
Open guide →Fire
Kitchens, wiring, chimneys, grills, gas, and everything else that burns.
Fire from Cooking, Smoking, and Candles
Occupant-caused fires, undetermined fires, demand wording
Open guide →Electrical and Product Fires
Wiring, appliances, lithium-ion batteries, space heaters, dryers, recalls
Open guide →Gas Leaks and Explosions
Utilities, propane companies, plumbers, connectors, CSST bonding, 811 dig records
Open guide →Fires from a Neighboring Unit
Access to the origin unit, landlords, associations, firewalls, renters policies
Open guide →Chimney and Fireplace Fires
Creosote, framing clearances, sweeps and inspectors, prefab fireplaces, stoves
Open guide →Mower and Hot Equipment Fires
Mowers, blowers, and saws put away hot, landscapers, repair shops, recalls
Open guide →Hay Bale Fires
Wet baling, moisture and heat limits, custom balers, hay sellers, farm renters
Open guide →Fireworks Losses
Neighbors, guests, tenants, public shows, misfires, local bans
Open guide →Grill Fires, HOA Rules, and Tenant Negligence
Grills near siding, balcony bans, fire code, leases, HOA rules
Open guide →Vehicles and recreation
Cars, boats, bikes, powersports, oversize loads, and ballparks.
Vehicle into Structure
Drivers, owners, employers, Michigan no-fault, policy limits
Open guide →Watercraft Losses
Vessel collisions, boats hitting docks, drifting boats, wakes, rented jet skis and pontoons, maritime presumptions, Limitation Act
Open guide →Vehicle Fires
Cars, golf carts, e-bikes in garages, recalls, dealers and repair shops, auto policy
Open guide →Bicycle and E-Bike Accidents
Riders hitting cars and property, e-bike battery fires, rentals
Open guide →Snowmobile and Powersports Fires
Snowmobiles, ATVs, UTVs, recalls, dealers, add-ons, battery tenders
Open guide →Property Damage at Sporting Events
Foul balls, golf balls, stadium lots, the baseball rule, netting
Open guide →Pilot Car and Escort Vehicle Failures
Oversize loads, height poles, permits, route surveys, certified operators
Open guide →Livestock on the Road: Open Range States
Open range vs. closed range, herd districts, fenced highways, the statute to cite, plain-English owner letter
Open guide →Contractors, tenants, and neighbors
When someone else's work, home, or care caused the damage.
Contractor Workmanship
Plumbers, roofers, hot work, electricians, oily rags, contract waivers, statute of repose
Open guide →Tenant and Landlord Losses
Both directions of claims, the Sutton rule, lease waivers
Open guide →Condo, HOA, and Neighbor Losses
Unit-to-unit water, common elements, falling trees, condo waivers
Open guide →Rental Equipment and Tools
Generators, heaters, sanders, rental agreements, maintenance vs. defect vs. misuse
Open guide →Neighboring Construction and Excavation
Loss of support, vibration, dewatering, before photos, utility strikes
Open guide →Property Damaged in Someone Else's Care
Movers, storage, repair shops, valets, the burden on the business, contract limits
Open guide →Arson, Vandalism, and Theft
Criminal restitution, parental liability, security and alarm companies
Open guide →"Pet Losses: Bites and Stove Fires"
Dog bites to property, pets turning on stove knobs, tenants vs. insureds
Open guide →Short-Term Rental Losses
Airbnb and Vrbo guests, AirCover deadlines, no double payment, cleaners
Open guide →Weather, utilities, and power
Wildfires, snow loads, power surges, and solar systems.
Wildfires
Utility power lines, railroads, government claim deadlines, group claims
Open guide →Snow-Load Roof Collapses
Design loads, architects and engineers, trusses, added rooftop weight, snow removal
Open guide →Power Surges and Electric Utility Losses
Transformers, lost neutrals, tree trimming, utility tariffs, lightning
Open guide →Solar Panel Systems
Mount leaks, installs on worn roofs, connector and inverter fires, leases
Open guide →Commercial losses
Sprinkler systems, restaurant kitchens, and warehouses.
Commercial Fire Sprinkler Failures
Freeze, impact, heat, CPVC chemical damage, corrosion, defective heads, inspection companies
Open guide →Commercial Kitchen Grease Fires
Leases, hood cleaning and suppression records, maintenance teams, employee-caused fires, every manufacturer on notice
Open guide →Warehouse and Forklift Damage
Sprinkler strikes, rack collapses, staffing agencies, workers' comp, lease waivers
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