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Fortis helps you understand your coverage and get the claim you deserve—clearly, confidently, and by the book.

Understanding Homeowner's Insurance Coverage

What does Homeowner’s Insurance typically cover?

While every homeowner’s insurance policy is different and must be reviewed carefully, most standard policies include coverage for the dwelling, personal property, other structures, loss of use, and liability. But coverage is never one-size-fits-all. Every claim is shaped by the specific language of your policy, the facts of the loss, and the laws that govern coverage.

At Fortis Public Adjusters, we pride ourselves on understanding the full scope of homeowner’s insurance claims. We conduct thorough loss reviews, interpret policy provisions with precision, and advocate for every available coverage the client is entitled to—ensuring no aspect of the claim goes overlooked or undervalued.

  • Dwelling Coverage: Repairs or rebuilds for damage to the home’s structure caused by covered perils (e.g., fire, accidental discharge of water, wind, or theft).
  • Other Structures: Damage to detached structures like garages, fences, or sheds.
  • Personal Property: Coverage for belongings inside the home that are damaged, destroyed, or stolen due to a covered loss.
  • Loss of Use (Additional Living Expenses): Temporary housing and related expenses if the home is uninhabitable during repairs.

(This list is provided for general example purposes and does not represent all coverages that may be afforded under a typical homeowner’s policy.)

Understanding commercial/business owner Insurance Coverage

What does Commercial/Business Owner Insurance typically cover?

While every commercial policy varies in structure and scope, most standard business insurance policies include coverage for physical property, business personal property, business interruption, and liability exposures. However, no two policies are the same. Each claim must be evaluated in the context of the policy’s language, the circumstances of the loss, and the legal standards that apply.

At Fortis Public Adjusters, we understand the complexities of business insurance claims. We conduct detailed loss evaluations, carefully interpret coverage terms, and advocate for every applicable provision—ensuring that your business receives the full benefit of the protection you’re entitled to.

  • Building Coverage: Damage to the physical structure of the business property caused by covered perils (e.g., fire, storm, vandalism, or accidental discharge of water).
  • Business Personal Property: Coverage for inventory, equipment, furnishings, and other contents essential to your operations.
  • Business Interruption: Loss of income and extra expenses if the business is forced to close or operate at reduced capacity due to a covered event.
  • Extra Expense Coverage: Reimbursement for costs incurred to minimize downtime and keep operations running (e.g., temporary relocation, equipment rental).
  • Liability Coverage: Protection against certain third-party claims for bodily injury or property damage occurring on the business premises.

(This list is provided for general example purposes and does not represent all coverages that may be afforded under a typical commercial insurance policy.)