Vehicle impact
Walls, foundations, framing, utilities, finishes, and business operations can be affected beyond the visible strike point.
Damage claim support
Complex & Unusual Property Damage
Claim support for vehicle impact, collapse, lightning, power loss, and other events that need careful cause analysis.
Vehicle impact, collapse, animals, lightning
Build a claim strategy for losses that do not fit neatly into a standard category.
Vehicle impacts, structural collapse, lightning, power outages, sinkholes, animal damage, burglary, and other unusual events can involve multiple coverage sections and technical specialists. Hillis starts with cause, sequence, and complete scope.
Where the loss can travel
Impact, collapse & unusual losses is rarely a one-surface problem.
Collapse & movement
The sequence, contributing conditions, and extent of structural movement often require engineering and careful policy review.
Lightning & power
Surges and outages can damage electrical systems, controls, appliances, electronics, inventory, and refrigerated goods.
Ground & animal events
Sinkholes, ground movement, and animal damage can trigger specialized exclusions, sublimits, and cause analysis.
First moves
Protect the property and preserve the proof.
- 1
Protect the area and involve emergency services when structural or electrical safety is uncertain.
- 2
Photograph the event scene, impact points, debris, and surrounding conditions.
- 3
Preserve damaged components and obtain incident, utility, or engineering records.
- 4
Track emergency stabilization, lost use, spoilage, and temporary operating costs.
What Hillis documents
- Cause-and-sequence timeline
- Structural, electrical, engineering, or specialty findings
- Property-wide damage and safety conditions
- Emergency stabilization and professional invoices
- Contents, spoilage, downtime, and extra expenses
Common claim pressure points
Details that can change the size and direction of a claim.
Wrong coverage bucket
Unusual events may touch several policy sections, endorsements, exclusions, or third-party recovery paths.
Single-point estimates
The visible impact can distract from connected structural, electrical, finish, contents, and operational damage.
Missing expert support
Engineering, cause analysis, or specialty evaluation may be necessary to explain what happened and what repair requires.
Start the fight