MAJOR INCIDENTS

Damage from falling aircraft or debris—whether from private planes or commercial aircraft—is typically covered under most policies

Explosions—whether from gas leaks, appliances, or industrial sources—can cause widespread structural and contents damage. 

When trees or branches fall and damage your home, coverage depends on what caused the fall—wind, rot, or neglect—and where the tree was located. 

Fire losses—whether from wildfires or household incidents—are among the most traumatic and complex insurance claims a homeowner can face.

Many of these incidents are covered under standard homeowners insurance policies, depending on the circumstances and policy terms. Whether you're researching coverage, managing your own claim with The Suite, or seeking professional representation from Loti Services, Inc., we offer resources and support to help you move forward.

Frozen pipes, sprinkler systems, and water supply lines can burst and lead to significant damage. Most policies cover freezing—but only if you took steps to heat the home or shut off the water while away. 

Hail can damage roofs, siding, skylights, windows, and exterior systems like HVAC units—often with impacts that aren’t visible from the ground.

Hurricanes bring a destructive mix of high winds, wind-driven rain, flooding, and debris—often damaging roofs, windows, siding, fencing, and interior contents in a single event.

Ice dams form when melting snow refreezes at the roof’s edge, trapping water that can seep under shingles and into walls, ceilings, and insulation.

Lightning strikes can cause serious damage in an instant—igniting fires, frying electronics, and damaging electrical systems deep inside walls.

Power surges caused by lightning or utility service failures can fry appliances, HVAC systems, and electronics. 

Damage from riots, protests, or civil unrest—including vandalism, fire, or theft—is typically covered under standard homeowners policies. 

Even without flames, smoke can infiltrate walls, vents, insulation, furniture, and personal belongings—causing serious damage. 

Heavy snow accumulation on your roof, deck, or carport can lead to sagging, cracking, or total collapse. 

Sudden tearing, cracking, or bulging of heating or cooling systems—like water heaters, boilers, or air conditioners—can result in serious water or steam damage. 

Theft is one of the most emotionally frustrating claims a homeowner can face—it's not just about stolen property, but a loss of safety and trust. 

Tornadoes can destroy homes in seconds—ripping off roofs, shattering windows, leveling structures, and scattering personal belongings across entire neighborhoods. 

Vandalism and malicious mischief can leave more than just physical damage—they often come with a sense of violation and frustration that’s difficult to shake. 

When a car, truck, or other vehicle crashes into your home, garage, fence, or landscaping, the damage is often sudden, severe, and highly disruptive. 

While rare, volcanic eruptions can cause extensive property damage through lava flow, ash, airborne shockwaves, and seismic activity. 

Water and steam damage can happen suddenly or build up over time—burst pipes, failed valves, overflowing tubs, or broken water heaters can all lead to serious structural and contents loss.