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Top 10 Homeowners Insurance Claims and How to Prevent Them

July 26, 2024

Owning a home comes with numerous responsibilities, including protecting your property from potential risks. Understanding the most common homeowners insurance claims can help you take proactive steps to prevent them. Here are the top 10 homeowners insurance claims and tips on how to avoid them.

1. Water Damage

Water damage from burst pipes, leaks, or appliance malfunctions is one of the most frequent insurance claims.

Prevention Tips

  • Regularly inspect and maintain plumbing.
  • Install water leak detectors.
  • Ensure proper drainage around your home.
  • Insulate pipes to prevent freezing.

2. Wind and Hail Damage

Severe weather, including high winds and hailstorms, can cause significant damage to roofs and exteriors.

Prevention Tips

  • Secure loose shingles and siding.
  • Trim trees and remove dead branches.
  • Reinforce garage doors.
  • Install storm shutters.

3. Theft

Burglaries and theft can result in the loss of valuable possessions.

Prevention Tips

  • Install a security system with alarms and cameras.
  • Use strong, deadbolt locks on all exterior doors.
  • Keep valuables in a safe.
  • Make your home appear occupied when you’re away.

4. Fire

Fires can originate from various sources, including cooking accidents, electrical issues, and wildfires.

Prevention Tips

  • Install smoke detectors and test them reguarly.
  • Keep a fire extinguisher accessible.
  • Avoid overloading electrical circuits.
  • Maintain a safe distance between your home and flammable vegetation.

5. Liability Claims

Injuries to guests or damage to others’ property can result in liability claims.

Prevention Tips

  • Maintain walkways and remove tripping hazards.
  • Ensure your property is well-lit.
  • Keep pets restrained.
  • Regularly inspect and repair fences and railings.

6. Non-Weather-Related Water Damage

This includes damage from sewer backups, sump pump failures, and other non-weather-related water issues.

Prevention Tips

  • Install a backwater valve.
  • Regularly service your sump pump.
  • Avoid pouring grease and other clogging substances down drains.
  • Consider installing a secondary sump pump or a battery backup system.

7. Weather-Related Water Damage

Flooding and heavy rain can cause extensive damage to homes.

Prevention Tips

  • Elevate utilities and appliances in flood-prone areas.
  • Install flood vents in basements.
  • Use water-resistant building materials in vulnerable areas.
  • Keep gutters and downspouts clear to ensure proper drainage.

8. Personal Property Damage

Damage to personal belongings from various causes is another common claim.

Prevention Tips

  • Use surge protectors for electronics.
  • Store valuables in safe, elevated locations.
  • Maintain an inventory of your possessions.
  • Consider additional insurance for high-value items.

9. Dog Bites

Dog bites can lead to significant medical and legal expenses.

Prevention Tips

  • Properly train and socialize your dog.
  • Supervise interactions between dogs and guests.
  • Use caution with unfamiliar dogs.
  • Secure your yard and use appropriate signage.

10. Roof Damage

Roof damage from weather, falling trees, or aging materials is a common claim.

Prevention Tips

  • Regularly inspect your roof for damage or wear.
  • Replace missing or damaged shingles promptly.
  • Clean guttesrs and downspouts regularly.
  • Trim trees near your roof to prevent falling branches.

By understanding the most common homeowners insurance claims and taking proactive steps to prevent them, you can protect your home and reduce the likelihood of filing a claim. Regular maintenance, proper safety measures, and being aware of potential risks are essential in safeguarding your property and ensuring peace of mind.

Sablich Insurance Group is licensed in Pennsylvania and New Jersey.
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