Falling-object claims cover damage from something striking the property from outside — most often a tree or limb, but also other objects — and they turn on both the impact you can see and the structural and water damage that follow it.
The visible hole is rarely the whole loss.
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What This Loss Involves
A falling object damages a building through the impact itself and everything it opens up. A tree or large limb can crush roofing and framing, puncture the deck and ceiling, and shift structural members, and the breach it creates then lets rain and debris into the interior. The force can also crack walls and foundations away from the point of impact, so the damage extends beyond the obvious puncture into framing, interior finishes, and any water that entered afterward.
What UPA Documents
We document a falling-object loss from impact to interior. That means assessing the framing and structure around the impact for damage beyond the visible puncture, documenting the water and debris that entered through the opening, capturing any cracking or movement away from the point of impact, and scoping the full repair including removal — so the claim reflects everything the object caused, not just the hole.
Coverage That Shapes the Claim
Falling objects are a covered peril on most property policies, but disputes turn on whether resulting interior water is included, how tree and debris removal is treated and limited, whether damage is attributed to the impact versus a pre-existing condition, and whether the policy pays actual cash value or replacement cost. These details frequently decide how much of the connected damage is paid.
Why Choose Us?
Falling-object claims are underpaid by limiting the scope to the visible impact. Carriers commonly cover the obvious puncture while missing the structural movement and framing damage around it, exclude or dispute the interior water that entered through the opening, question whether the object or a pre-existing condition caused the damage, and overlook debris removal and the full repair the impact set in motion.
Contact Our Non-Profit Public Adjusting Firm
If your falling objects claim is being delayed, underpaid, or denied, the difference is almost always in the documentation.
UPA independently inspects and documents the loss and re-presents the claim to pursue the settlement your policy owes. Contact us today to schedule a consultation.