A property damage insurance claim is a request to an insurance company to cover the cost of repairing or replacing damaged property. Property damage can be caused by a variety of events, such as fire, theft, vandalism, and natural disasters. Property damage insurance can help to protect homeowners and businesses from the financial burden of repairing or replacing damaged property.
Property damage insurance is typically included in homeowners insurance and renters insurance policies. However, it is important to note that property damage insurance does not cover all types of damage. For example, property damage insurance does not typically cover damage caused by earthquakes or floods. It is important to read your insurance policy carefully to understand what is and is not covered.