Are there different types of claims?
The short answer is yes. For instance, if you have water damage caused by natural disasters such as floods, your insurance claim will follow a completely different procedure than if your damage is caused by man-made causes such as burst pipes, overflowed bathtubs, etc.
If a tree falls on your house and is caused by wind, again your insurance claim will follow a completely different process than if your damage is caused by your next-door neighbour improperly cutting down his tree!
What if I am not covered for the damage, or I don't have insurance?
Whether the damage is covered by homeowner insurance or not, First General Okanagan can help! We deal directly with the property owner, and our work estimates are highly competitive and reasonable.