What types of claims are included in Group D?

Group D typically encompasses specific types of property damage that are often covered under various insurance policies. The claims in this group are generally related to natural phenomena that can cause significant damage to property. Wind, hail, and lightning are common perils that can occur together during severe weather events.

Wind damage can lead to structural destruction, hail can cause significant harm to roofs and vehicles, and lightning poses a threat of fire as well as electrical damage. Each of these elements is significant in terms of loss and is often outlined within insurance provisions to ensure property owners have adequate coverage against such natural disasters. This group focuses on these environmental factors, underscoring the importance of protecting homes from weather-related incidents, which are more prevalent in certain regions, including parts of Tennessee.

Other claim types such as water back-up and freeze, vandalism and theft, or fire and smoke, while also significant, fall into different categories that are not included in Group D. Therefore, the inclusion of wind, hail, and lightning specifically highlights the unique risks posed by these natural elements that require distinct consideration in the realm of insurance claims.