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    APOLLO Claims Series: Sprinkler Damage

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    At APOLLO Insurance, we understand the importance of being there for our policyholders during unexpected and challenging situations. In this article, we explore a real-life claims example involving a fire and water loss due to a kitchen mishap. We are proud to share how our comprehensive coverage ensured that the policyholder received the necessary financial support to recover from the incident and protect their assets.

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    The Incident

    In this case, a pan caught fire while our policyholder was cooking, triggering the activation of sprinklers. The immediate response of the sprinkler system helped to suppress the fire, but it also resulted in water damage to the property and the policyholder's belongings.

    Coverage Details

    The policyholder had wisely opted for APOLLO Insurance's insurance coverage, which included $10,000 in contents coverage, $5,000 in additional living expenses (ALE), and $1 million in liability coverage.

    Liability Payout

    Due to the unfortunate incident, the policyholder was faced with liability concerns. Fortunately, APOLLO Insurance's liability coverage came to their rescue. Our policyholder received a liability payout of $204,500, which covered legal expenses, property damage to neighboring units, medical bills, and compensation for any injuries sustained by third parties. This substantial payout provided peace of mind and protected the policyholder financially during this challenging time.

    Property Payout

    In addition to the liability payout, our policyholder received a property payout of $19,500. This payout was directly aimed at mitigating the damages caused by the fire and water loss. It helped to cover the costs of repairing or replacing damaged belongings, restoring the property, and ensuring a swift recovery.

    APOLLO Insurance's Commitment to Policyholders

    This real claims example is a testament to APOLLO Insurance's commitment to providing comprehensive coverage to our valued policyholders. We understand that accidents happen, and we aim to support our customers in their time of need. The combination of robust liability coverage, reimbursement for property damages, and additional living expenses demonstrates our commitment to comprehensively protecting our policyholders.

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    Originally published September 15, 2023, updated June 19, 2024

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    Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.

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