This year, the office dressed up as perils for Halloween.
Fire (Sara Christianson) – Something that produces a spark, flame or glow. Hostile fire is a fire that is burning where it shouldn’t – like your living room curtains! Damage from hostile fire is covered under the fire peril.
Lightning (Sarah Hensley) – Naturally occurring electricity that directly damages something or a fire caused by lightning are both covered under the lightning peril. Common claims from lighting strikes include damage to electronics and appliances.
Water and Sewer Backup (Brady Gooden) – When water or water-borne materials back up into your home through sewers, drains, a sump pump, or similar equipment. Coverage for this peril is not automatically included and must be added to a policy.