Perils typically covered by home owners insurance. A peril is an event, like a fire or break-in, that may damage your home or belongings. The perils covered by your homeowners insurance are listed in your policy. The list of mishaps you're protected against ("perils" in industry speak) is actually pretty broad. Here's a look at what the Insurance Information Institute says are some of the most common perils covered by a typical homeowners insurance policy: Fire and smoke Lightning strikes Windstorms and hail Explosion Vandalism and malicious mischief Damage from an aircraft, car or vehicle Theft Falling objects Weight of ice, snow or sleet Water damage Check your homeowners insurance policy to learn what perils it covers. FIRE AND SMOKE A home, belongings and structures like a garage or shed are all usually covered for fire damage (including smoke damage). If the condition of the home requires its residents to live elsewhere for a time, a policy will typically help

  Water Damage Whether you have a flood or an unexpected leak, we fully understand the urgency of getting the water out as soon as possible. That's why we offer 24 hour emergency water damage response - because the sooner you get the water out, the less flood damage you'll likely incur. Experts say that the worst water damage occurs when water has been standing for more than 48 hours, which means timing is everything when a flood occurs. Water Extraction When you need emergency water extraction , you can call (859)302-2702 24 hours a day, 7 days a week to get a certified water damage technician to start the water damage extraction process right away! Our water extraction service is first rate. We only use state-of-the-art equipment and techniques to get the water out - now! Serious water damage, such as with a flood, requires serious attention to ensure that not only is all of the water extracted, but also that all of wet areas are dried completely and treated quickly to mini