Property damage refers to harm or destruction caused to physical items or structures, such as homes, vehicles, or personal belongings. This can occur due to various reasons, including natural disasters like floods or earthquakes, accidents, vandalism, or even wear and tear over time. When property damage happens, it can lead to financial loss and emotional distress for the affected individuals. Insurance often plays a crucial role in addressing property damage. Many people have homeowners insurance or auto insurance that can help cover the costs of repairs or replacements. Understanding the extent of the damage and the coverage provided by insurance policies is essential for recovering from such incidents effectively.