Hail, windstorm, or tornado damage causing roof damage, broken windows, siding damage, and interior water damage requiring extensive repairs.

Kitchen or electrical fire spreading through home causing extensive structural damage, smoke damage, and total loss of personal belongings.

Frozen pipe bursts during winter causing flooding, wall damage, flooring replacement, and potential mold remediation throughout home.

Break-in resulting in stolen electronics, jewelry, and personal items, plus damage to doors, windows, and home security systems.

Guest slips and falls on icy walkway or deck, resulting in serious injuries requiring medical treatment and potential lawsuit.