Damage caused by a vehicle or plane colliding with your home is generally covered by your homeowners insurance. While this seems like it must surely be a rare occurrence, car-into-building accidents happen up to 60 times every day, and cause 10 serious injuries each day across the United States, plus hundreds of thousands of dollars in property damage.
When It’s House vs. Humvee – Who Wins?
The Olympus Insurance Claims Team sees many claims where a vehicle has hit a home. Many of these collisions are the result of simple driver error – stepping on the gas instead of the brake, or having the car in drive instead of reverse. While the vehicle may be partially or totally wrecked, in many cases the costliest damage is to the home.
Florida Vehicle / House Collisions
The OI Claims Team sees plenty of routine claims in which a car is accidentally driven into a residence, but some of the reported news stories from Florida based car/house collisions are rather extreme. December of 2017 was a particularly memorable month for vehicle-into-house accidents:
2018 has already seen its share of car vs. house collisions in Florida.
Perhaps the most startling story of all isn’t about a car, but a plane – in March of 2018, two siblings on a private flying lesson were injured after their small plane crashed into a house while trying to land at a small airport just 17 miles south of Daytona Beach. Fortunately, the brother and sister duo were not seriously injured, and the main damage to the home was to the carport.
How can you prevent damage to your home from a moving vehicle? There’s not a lot you can do about aircraft falling from the sky, but you can consider putting a sturdy wrought iron fence around your property or creating aesthetically pleasing barriers using trees or large boulders to provide some impediment to runaway vehicles.
If you do experience a car crashing into your home, the Olympus Claims Team is ready and willing to help you file your homeowners insurance claim.
About Olympus Insurance Company
Headquartered in Palm Beach Gardens, FL and founded in 2007, Olympus Insurance Company specializes in Florida property insurance. Through its independent agency force, Olympus insures $40 billion worth of residential and investment property including homes, condos, rental property, and valuable personal property, with umbrella coverage and Spartan Enhanced Coverage available. Coverage for individual risks up to $5 million in total insured value is provided on one of the most comprehensive coverage forms in the industry.
For more information, visit olympusinsurance.com.
This article is for informational purposes only and does not form a part of, replace, change or amend any terms, conditions, provisions or language within your Olympus Insurance policy. We encourage you to read your entire policy.