Vermin - Rats are ranked as the second most successful mammalian
species living on Earth today - behind us humans, of course. Rats can reproduce
young four to six times a year having litters of four to ten. Once they have reached
the age of three to six months, they have the ability of reproducing.
Resource: Have a Heart Wild Animal Control
Fire - In 2011 there were 98,500 non-residential structure fires
with an estimated loss of $2,639,000.00.
Resource: US Fire Administration
Burglary - Victims of burglary offenses suffered an estimated
$4.6 billion in lost property in 2010; overall, the average dollar loss per burglary
offense was $2,119.
Resource: Federal Bureau of Investigation
Vandalism - A term derived from the
Roman language and it represents a tribe. Vandals were an ancient Roman tribe known
for their destruction, and they would destruct anything that came their way. If
they were angered, then they could destroy beautiful architectural buildings and
other public property.
Resource: Legal Advice Help
Explosion - The most common artificial explosives are chemical
explosives, usually involving a rapid and violent oxidation reaction that produces
large amounts of hot gas.
Leaking-Water - Property damage resulting from water damage due
to plumbing failures and freezing pipes is the third most common cause of homeowner
Resource: Leak Defense System
Building Collapse - When internal
load bearing structural elements fail, a building will collapse into itself and
exterior walls are pulled into the falling structure. This scenario may be caused
by construction activity, an earthquake, or fire. Alternatively, if the structural
failure is caused by an explosion or natural forces such as weather, the building
may collapse in an outward direction.
Resource: Occupational Safety and Health Administration (OSHA)
Tornado - The United States has an average of 1,253 tornadoes
touch down per year.
Resource: National Climatic Data Center
Hurricane - Every second, a large hurricane releases the energy
of 10 atomic bombs.
Earthquake - One earthquake is felt approximately every 30 seconds
somewhere in the world.
Resource: Center for Earthquake and Information
Lightning - Damage costs from lightning
are estimated at 4-5 billion each year in the U.S. Lightning is the most dangerous
and frequently encountered weather hazard people experience each year.
Resource: Hamilton Lightning Protection
Smoke - Causes damage in a number
of ways. It does not have to be from a big fire. Stains, fumes, odors, and toxic
byproducts from smoke can have harmful effects on a building's interior, furnishings,
and personal possessions.
Hail - Hail causes about $1 billion dollars in damage to property
and crops each year.
Resource: National Oceanic Atmospheric Administration (NOAA)
Wind - Once winds exceed 135 knots
(250 km/h), homes completely collapse, and significant damage is done to larger
buildings. Total destruction to manmade structures occurs when winds reach 175 knots