All Perils

"All perils" coverage, often referred to as "open perils," provides protection against all risks of loss or damage to insured property, except for those specifically excluded in the policy. Unlike "named perils" coverage, which lists only covered risks, all perils coverage offers broader protection by default, covering any unexpected or accidental event unless explicitly excluded.

The most common explicitly excluded damages are:

  • Floods, 
  • Earthquakes
  • War
  • Nuclear Accident 
  • Landslide
  • Mudslide
  • Sinkhole
  • Intentional damage
  • Sewer Backup
Around 79-85% of American homeowners have an HO-3 policy (ValuePenguin, 2022)

Insurance policy types (forms) that cover this peril

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"All perils—oh, the big daddy of coverage! This is the ‘we cover basically everything except the stuff we specifically don’t’ policy. Fire? Covered. Lightning? Covered. Random meteorite crashing through your roof? Covered. Your dog deciding your couch is a chew toy? Yeah, not so much—check the exclusions, buddy. Think of it as the ultimate insurance buffet—everything’s on the table unless they slap a ‘not included’ sticker on it."
Troy Tiger
Get Help with Your Insurance Claim

Leverage Tiger Adjusters'

Expertise & services

Public Adjusters at Tiger Adjusters are trained to create accurate and detailed property inspections to correctly account for all loss or damage.

Free property inspection

A sloppy inspection from your assigned insurance adjuster can cause your claim to be denied or undervalued.

Tiger Adjusters offers no-cost property inspections utilizing the latest technology to capture a full and accurate account of all damages.

Public Adjusters at Tiger Adjusters offer a free insurance policy review.

Complimentary policy review

Be honest — did you read the fine print of your insurance policy? 

When property damage occurs, our team reviews your policy and provides expert advice on a recommended course of action for your claim.

Public Adjusters at Tiger Adjusters are trained to create detailed loss estimates to file with an insurance claim.

Filing claim & All necessary paperwork

We create a detailed loss estimate and file your claim plus complete all the required  documentation.

It’s tedious work but when it comes to the value of your claim, the dollars are in the details! 

Public Adjusters at Tiger Adjusters  fully represent you in insurance carrier negotiations. We fight to recover all funds needed to cover your property damage.

Negotiating your claim

Tiger Adjusters fully represents you in negotiations with your insurance company. We review the carrier’s inspection report, estimate, and settlement offer to evaluate if you are being paid fairly. 

If not, we fight for funds for all covered damage so that you can repair and restore your property.

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Free Property inspection & Policy Review

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