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Fire Damage Claim Public Adjusters | Kend Adjusters
Fire damage

Fire damage refers to the physical damage to a property because of burning. This damage may either be directly caused by the flames or could occur due to smoke and other corrosive substances emitted by the fire.

Water Damage Claims Public Adjusters | Kend Adjusters
Water Damage

A water damage clause is a provision in a property insurance contract that details whether the insurer covers water damage to the property, and if so, under which circumstances and for how much. Usually, most homeowners and renter policies include such clauses.

Fairfield County Insurance Adjuster
Wind Damage

Windstorm insurance is a subset classified as a casualty-property insurance that provides protection to persons and property against the damages of windstorms. This policy is a supplementary benefit and may be added to the main homeowners’ policy for an additional premium.

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Hurricane Damage

Property loss and damage due to natural disaster called a hurricane. Coverage for damage from hurricane winds might be included in a homeowner's policy. Water damage caused by same might not be covered.

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Commercial Damage

A commercial property policy is an insurance policy that covers the buildings and contents of the buildings for a business.


Vandalism Damage Claim Public Adjusters | Kend Adjusters
Vandalism Damage

Vandalism and malicious mischief (VMM) insurance is a type of property insurance coverage that indemnifies or compensates the insured for losses arising from acts of vandalism

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Fire Damage
Fire Damage Claim Public Adjusters | Kend Adjusters
  1. The six types of fire damage are as follows:
  2. Class A: fire that involves flammable solids, such as paper, cloth, wood, and plastics.
  3. Class B: fire that involves flammable liquids or solids that can turn into liquids.
  4. Class C: fire that involves flammable gasses, such as propane, hydrogen, natural gas, and butane.
  5. Class D: fire that involves combustible metals, including sodium, magnesium, and potassium.
  6. Class E: fire that involves factors in Class A and B as well as electrical elements.
  7. Class F: relatively hotter and more destructive fire that involves cooking oils and fats.
  8. Many insurance companies divide the fire damage into 2 categories. Primary (caused by the flames) and Secondary (caused by the smoke or other substances)
Water Damage
Public Adjuster
Water damage losses can be extremely high. This is due to ripping out sections of the building to get to damages behind the walls. This can cost upwards or 10K to 100K. Therefore, it is important for property owners to know exactly the exact type of coverage their property insurance offers. For example, a water damage clause often excludes coverage for water damage. Water damage clauses usually provides for smaller losses, such as pipes bursting and plumbing issues.
Wind Damage
Fairfield County Insurance Adjuster
Most homeowners’ policies include storm insurance in their coverage, but some policies do not provide coverage for windstorms (high winds, hurricanes, cyclones) and accompanying floods and earthquakes. In the latter cases for properties at risk, it may be wise for the owner to supplement the building’s coverage. Since insurance policies differ by location, property owners are advised to check the provisions of their policies to know the extent of their coverage.
Hurricane Damage
Fairfield County Public Adjuster
  1. Damage and loss caused by hurricane might be a part of the regular homeowner’s policy in the US, specifically the damage or loss brought about by the wind from the hurricane. Damage caused by flooding from hurricane might be an exclusion and requires another policy.
  2. The hurricane coverage also has a deductible, a percentage of the property’s value. If the deductible is high, the premium is low.
Commercial Damage
Commercial Damage Claims Adjusters | Kend Adjusters | Public Adjusters
Depending on the policy, the policyholder may also be covered for lost income or expenses associated with the damage that has occurred to the building or contents inside the building. Perils that a commercial property policy may cover include fires, natural disasters, theft, and various others. Even if damage is not extensive, losses can still be very heavy for certain businesses.
Vandalism Damage
Vandalism Damage Claim Public Adjusters | Kend Adjusters
Most basic homeowner and commercial policies include Vandalism. It is particularly necessary for commercial buildings, schools, churches and other structures that are regularly not used for long periods. They become easy targets for vandals due to the lower risk of getting caught.