A word from the "claims desk:" Very basically and broadly, insurance claims are described as "sudden," or "accidental," (a tree falls on your home - "suddenly;" your hot water tank bursts, sending water throughout your home, "suddenly.") You "accidentally" hit the garage with your car, or rearend the vehicle ahead, unable to stop in time in a line of traffic. We see insurance coverage questions on wet rot, dry rot, carpenter ants - nothing too "sudden" or "accidental" about these. Your insurance policy is in place to "indemnify" you, to put you and your home or vehicle back to its condition prior to the incident. Our work here is to gather the facts, as you know them to be, report them promptly and completely to the insurance company - a job we take very seriously. Call us anytime with your claims and claim questions - we are 24/7 in our effort to serve your insurance needs!