While uncommon, damage from falling aircraft parts or debris—whether from private planes, drones, or commercial jets—is typically covered under standard homeowners and commercial property policies. However, these claims can be complex, and delays often begin the moment the event occurs. Proof of impact, clear causation, and well-organized documentation are essential to getting your claim approved and paid in full.
Insurers may attempt to shift responsibility to the aircraft operator or aviation carrier, triggering long delays while third-party investigations play out. In some cases, adjusters will request confirmation from aviation authorities or require reports from the FAA before proceeding—leaving property owners in limbo with extensive damage and no clear payout timeline.
That’s where Loti steps in.
We help establish a clear, defensible link between the physical damage and your policy’s covered cause of loss—tracking impact patterns, matching debris to known flight paths, and coordinating directly with aviation and insurance contacts. Our team documents the loss thoroughly and advocates for fast recognition of coverage without waiting on external liability determinations.
OUR APPROACH
Aircraft (Falling Objects & Impact Damage)—Rare but Serious, and Often Delayed Without Expert Help
Reporting the incident and securing written documentation from local authorities
Photographing all damage immediately, before any cleanup or repairs begin
Retaining physical debris or fragments as proof of impact
Contacting nearby airfields or FAA offices to confirm aircraft activity and flight paths
Saving all cleanup, structural repair, and debris removal estimates for reimbursement
Key Steps We Guide You Through:
At Loti, we don’t just file your claim—we connect the dots between the event, your policy, and who’s responsible. By managing communications with third parties and proactively presenting evidence, we keep your claim moving forward and push for a fair, timely resolution—so rare doesn’t mean impossible.
FREE RALLYBACKS
Homeowners insurance policies are designed to protect your home and personal property from a wide range of risks, or perils. One of the less commonly discussed but important perils covered by many homeowners insurance policies is the aircraft peril. This peril provides coverage for damage caused to your property by aircraft or objects falling from aircraft. While it might seem unlikely, understanding this coverage is essential for ensuring that you are protected in the event of such an incident.
This detailed guide will explain what the aircraft peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Aircraft Peril in Your Homeowners Insurance Policy: A Detailed Guide
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