HAÏTI – Opération musclée de la PNH – Démantèlement d’un réseau de faux policiers à Port-au-Prince – Voici comment les identifier (VIDÉO)

The ISO (Insurance Services Office) says that almost 98% of homeowners insurance claims are due to property damage. The balance comes from liability cases like personal injury. So the question is what usually causes the property damage that occurs?

Autres VIDÉO d'un faux policier : Capturé par la PNH - Voivi son témoignage en VIDEO ci-dessous...

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Cause of Homeowners Insurance Losses

Based on frequency of claims between 2011 and 2015, the ISO lists the following perils as the most frequent causes of loss. The number associated with the event represents claims per 100 house years:

• Wind and hail (2.86)
• Water damage and freezing (2.13)
• Other property damage (0.88)
• Theft (0.42)
• Fire and lightning (0.35)

Included in the property damage claims are items like theft (number four from above). This is evidenced by the fact that jewelry is typically the number one most claimed item based on total value (although this figure reflects not only theft of jewelry but lost and damaged jewelry as well).