Every homeowner understands the importance of home insurance, but all homeowners also hope they never have to file an insurance claim with their provider. Most standard home insurance policies will cover the common disasters that we’ll be talking about in this article, but you should always stay refreshed on what your covered for.
We’re very lucky to have partnered up with the Hurwitz Law Group that helps people with these types of insurance claims all the time in terms of collaborating with us on this list of the 5 most common home insurance claims out there on the market right now. To learn more about home insurance coverage and your legal liabilities in these situations go to the following URL: https://hurwitzlawgroup.com/
- 1. Hail and Wind
These two disasters are by far the most common types of home insurance claims, and this is predominately because of major windstorms like hurricanes and tornadoes, as well as serious hailstorms that have only gotten worse in recent years.
There are certain areas of the country like Tornado Alley and along the Atlantic coastline in which basic home insurance may not be able to cover you for these types of disasters, so that’s why it’s crucial that you talk to your insurance provider and go over your options so that when one of these very common weather patterns does hit your local area, you’ll be prepared.
- 2. Water damage (and freezing water)
The majority of the United States experiences very cold temperatures during the winter months, and this can sometimes result in pipes leaking or even bursting, which is always a serious insurance claim. For the most part, this type of water damage is covered with home insurance policies so you won’t necessarily need to check in on your provider to see if you’re covered.
But, that doesn’t mean you shouldn’t inspect your piping and make sure there aren’t any leaks. It’s also really crucial to ensure that your pipes are properly insulated for the winter months, and you should also always run warm water through your pipes on an occasional basis during the winter just to make sure those seldomly use pipes aren’t coming close to freezing.
- 3. All other kinds of property damage
This entire category is rather broad, but there are a whole array of property damage issues that lead to home insurance claims. These can include mischief and vandalism as well, but when it comes down to it these are typically covered by your insurance provider.
Of course humans cause most of these property damage issues, so it goes to show that you should always be a good neighbor!
- 4. Theft
There are over 2 million home burglaries each and every year in the United States, so it’s a lot more common of an insurance claim than most homeowners typically think. There’s no telling how bad a home theft can end up being, but there are a lot of things you can do in order to prevent this type of disaster from occurring to you.
One of the best ways to divert theft is to invest in a security system, but you should also go the next step and tell a trusted neighbor when you and your family are going out of town on vacation.
You also shouldn’t hide a key outside because thieves typically will be looking for these keys when they’re trying to break in, and you should always secure all your windows and doors at all times.
- 5. Lightning and Fire
These disasters may not be the most common that we’re talking about, but they tend to be the most expensive for homeowners. Average lightning claim costs are around $40,000 and fire damage can typically be even more!
There are a ton of ways a house fire can be caused, so it’s important to be as preventative as possible and making sure that your children understand fire safety. You should always call your insurance provider to understand how much they cover when it comes to these very costly disasters, because having the correct amount of coverage is crucial in these types of situations.
