Unfortunately, we are all clumsy at times. Guests or family members can scratch your beautiful hardwood floors or negligently break a tile in our homes. Heavy wall mounted objects can fall and damage walls, floors and furniture. These falling or dropped object claims are legitimate and are generally able to be submitted as covered claims. But most policyholders think they have to live with the ugly damage because it was their own dumb fault. We say at Home Damage Adjusted, that in most cases, stupidity is covered under your policy.

In most states the statute is to repair or replace with matching material. If your finishes are older
it may be impossible to repair one area so that it matches. In that case you insurance company may be persuaded by Home Damage Adjustment to provide for the replacement of the entire floor, counter, patio tile,etc. that was a result of sudden or accidental damage to your property from a falling or dropped objects.