FAQs Are my premiums going to go up if I file a claim? There are certain surcharges that are now implemented with filing a claim. Hillis will advise you on whether or not the claim is economically beneficial. Will I be reimbursed for money that I spend prior to the filing of a claim? Yes. You will be reimbursed as long as the money spent was required in order for you to survive the way you were prior to the loss. What does my insurance policy cover? Most people don't fully understand their policy or coverage. Often they learn what is covered when it is too late - after disaster strikes. Below are some examples of damage commonly covered by your property owner's insurance policy: • • • • • • • • • • • • • • • Fire Lightning Flood Windstorm Hail Damage to boats and airplanes Auto collides into your building Smoke/heat damage from a neighbor's fire Vandalism Theft Falling objects Freezing of plumbing Damage sustained from riot/civil uprising Damage from certain animals Ice damming • • • • • • • • • • • • • • • Weight of ice and snow Water leaks Roof leaks Fallen trees Blown up shingles Hurricane/tornado Water stains Melted siding Cracked tile/marble/granite Toilet overflows Burst hot water heater Structural collapse Accidental damage to carpets, cabinets, wall paper, siding, etc. Accidental overflow of water Furnace or fireplace puff backs ... and many more <–Prev More–>

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