One of the most common issues found in insurance claim disputes is determining whether the damage incurred is covered by the homeowner's insurance policy.
Usually, homeowner’s insurance covers property damage (including residential premises, unattached structures, and personal property) as a result of unexpected events such as fire, wind, hail, vandalism, and theft. However, the exact coverage can vary wildly depending on the policyholder's contract.
There are five standard residential insurance policies, each of which covers a different type of damage. An important note: homeowner's insurance doesn't include flood insurance — it must be purchased separately.