What types of incidents are classified under Group B?

Group B incidents typically encompass theft, liability, vandalism, and malicious mischief. This classification highlights claims that involve intentional harm or wrongful acts against property or individuals.

The inclusion of these types of incidents under Group B is based on their nature, which often involves the human element—either through direct actions like theft or through negligence leading to liability claims. Understanding this classification is crucial for those involved in insurance or property management because it informs the type of coverage recommended for homeowners and the risks they face.

Other types of incidents like wind and hail damage, fire and explosion claims, and water-related claims fall under different classifications due to their nature being primarily weather-related or accidental rather than intentional. This distinction helps insurers and policyholders understand the different risk exposures inherent in various situations.