Bear at a glance
- County
- New Castle County
- Neighborhoods
- Glasgow, Fox Run, Caravel Farms, Brennan Estates and communities along Route 40
- Housing mix
- Single-family subdivisions, townhomes, condominiums and neighborhood retail centers
Local claim risks
- Severe storms
- Wind damage
- Water losses
- Tree damage
- Hail
A suburban claim market
Bear is suburban through and through: subdivisions such as Fox Run, Caravel Farms and Brennan Estates, townhome communities and shopping centers along Route 40. Many homes date from the 1980s and 1990s and are now on their second or third roof, original windows and aging plumbing — all common sources of disputes when a storm or leak hits.
Townhomes and associations
Townhome and condo communities in and around Bear raise the question of who insures what: the association’s master policy, the owner’s HO-6 or both. We read the governing documents and then value only the portion your policy is responsible for. For associations, we value common elements and building systems for the board.
Commercial along the corridors
Retail centers and small office buildings along Route 40 and Route 7 have low-slope roofs, rooftop HVAC and storefront glass. Insurance appraisal in Bear frequently includes these commercial properties, where the details of membrane roofing and code upgrades drive the numbers.
What we see most
- Roof and siding damage on 1980s–90s homes
- Interior water losses from plumbing and water heaters
- Townhome and condo coverage-split disputes
- Tree damage near Lums Pond and wooded lots
- Commercial roof claims along Route 40
Services available in Bear
Every Delaware Insurance Appraiser service is available to property owners in Bear and the surrounding area:
- Appraisal Clause Representation
- Homeowners Claim Appraisal
- Commercial, Condo & HOA Appraisal
- Roof & Hail Claim Appraisal
- Wind & Tornado Damage Appraisal
- Hurricane & Coastal Storm Appraisal
- Water Damage Claim Appraisal
- Fire & Smoke Claim Appraisal
- Nor’easter & Winter Storm Appraisal
- Carrier Estimate Review
- Umpire & Neutral Appraiser Services
Questions from Bear property owners
Bear isn’t a city. Do you still cover it?
Yes. We cover all of New Castle County, including unincorporated communities such as Bear, Glasgow and Hockessin.
My water heater burst. Is that covered?
Sudden water damage from a burst water heater is usually covered, though the water heater itself may not be. We value the resulting damage.
Do you handle townhome association claims?
Yes, for both boards and individual owners.
