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Property claim types / 07

Start with the shape of the loss.

Every claim has its own facts, but familiar patterns can help you identify what needs to be documented. Select a loss type to review the issues that commonly shape the file.

Illustrated clipboard checklist with distinct claim type markers
Property claim types / field graphic
01

Water & plumbing failures

Leaks and plumbing failures can move from a single source into finishes, contents, cabinets, flooring, and concealed areas. The claim record should track mitigation, resulting damage, and the repair sequence.

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02

Fire & smoke damage

Fire losses may include structural repairs, smoke cleaning, contents, odor, temporary living arrangements, and the work required to make the property safe and usable.

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03

Wind, hail & storm events

Storm claims can involve roofs, siding, windows, interiors, detached structures, and water intrusion. We help keep related damage and repair requirements connected.

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04

Structural impacts

Movement, collapse-related damage, or compromised framing calls for careful documentation and a scope that reflects the work required to restore the property.

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05

Builder’s risk & construction claims

Construction-stage claims depend on a clear record of the work, materials, contracts, schedule, site condition, and repair path.

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06

Business interruption & complex commercial losses

Commercial losses may combine building damage, contents, equipment, business interruption, extra expense, and valuation questions. Each part needs support that can be reviewed.

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The category is only the starting point.

A claim review looks at the actual property, policy, evidence, scope, valuation, and current status. If the loss crosses categories, we can help organize the full picture.

The next file step

Bring the record into focus.

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