What We Cover

Natural Disasters

NDA helps you fight for the optimal result from a filed claim as a result of a natural disaster. A natural disaster is defined as a natural or environmental event which causes great property damage or loss of life. We support you with the claims process resulting from the following events:


A tropical cyclone with winds of 74 miles (119 kilometers) per hour or greater that is usually accompanied by rain, thunder, and lightning, and that sometimes moves into temperate latitudes.

Storm Surge

A rising of the sea as a result of atmospheric pressure changes and wind associated with a storm.


A mobile, destructive vortex of violently rotating winds having the appearance of a funnel-shaped cloud and advancing beneath a large storm system.

Flooding (environmentally caused)

An overflowing of a large amount of water beyond its normal confines, especially over what is normally dry land. Note: flooding is often excluded from standard homeowner property coverage.

Mud Slides

A mass of mud and other earthy material that is falling or has fallen down a hillside or other slope.

Lightning Strikes

A lightning strike or lightning bolt is an electric discharge between the atmosphere and the ground.


A storm with very strong wind but little or no rain or snow; a gale.


A sudden and violent shaking of the ground, sometimes causing great destruction, as a result of movements within the earth’s crust or volcanic action. Note: earthquakes are often excluded from standard homeowner property coverage.

Damaging Hail

Damage resulting from hailstones and hailstorms. Hail is defined as a form of solid precipitation. It is distinct from ice pellets, though the two are often confused. It consists of balls or irregular lumps of ice, each of which is called a hailstone.


A wildfire is an uncontrolled fire that burns in the wildland vegetation, often in rural areas. Wildfires can burn in vegetation located both in and above the soil. 

Many homeowners policies cover only named perils, which can vary policy to policy and by the insurance company. Even an “all perils” policy may exclude some events or contain specific policy limits, so you may not be fully insured for a major loss.

Binding Period: There is a 15-business day binding period from the time the initial payment processes to the subscription service activates. Any events which may occur during this time is not covered under the Service.