RESTORATION: work performed on a building in order to return it to a previous state of conservation

FLOOD – water dousing a fire, broken pipes, malfunctioning appliances, storms or sewage backups… When you have a flood, remember that some water carries contaminants and should be considered hazardous.

FIRE Рafter a fire, you can return your property back to pre-loss conditions 

WIND – the effects of a weather related disaster can match the potential property loss as a fire or flood. Usually high winds may cause roofs to fly, or trees surrounding a house or building to collapse. This may involve even structural damage

All the above mentioned property damage are usually covered by insurance, but please keep in mind that not all insurance policies are identical. It is a good idea to make sure that yours is covering as much as possible.