What are the different types of insurance claims that can be made?
Essentially, with any policy, what you need to check are the three different types of damage claims that you can have. One being accidental damage, one is deliberate damage, and the other is malicious damage.
So with accidental, it’s pretty common. It’s sudden, it’s unforeseen. Deliberate damage is when people put picture hooks in walls in multiple rooms. They haven’t maliciously done it, but they’ve done it without approval and a lot of common policies either will cover only one or only the other, but not all three types of claims. So check your policy. Check your policy conditions.