The Most Common Home Insurance Claims and How to Avoid Them

Maintaining a home includes preparing for unexpected incidents that could lead to costly repairs or losses. Home insurance may help cover damage and losses, but frequent claims usually increase premiums. Learning about common claims and ways to avoid them can save you money and stress in the long run.

Common Types of Home Insurance Claims and How to Avoid Them

The following are some of the common types of home insurance claims:

• Water damage—Burst pipes, leaking roofs and appliance malfunctions can cause significant damage. Inspect plumbing, clean gutters and check appliances for leaks regularly to minimize risks.

• Wind and hail damage—Severe storms can damage roofs and siding. To prevent this, trim trees near your home, secure outdoor furniture and inspect your roof for weak spots before storm season.

• Theft and vandalism—Break-ins and property damage can result in expensive repairs. Installing security cameras, using strong door locks and keeping valuables out of sight may help deter criminals.

• Fire damage—Electrical issues, cooking accidents and heating equipment can lead to house fires. Remember to test smoke detectors regularly, keep flammable items away from heat sources and never leave cooking unattended.

• Liability claims—Injuries on your property can result in legal and medical expenses. Keep walkways clear, fix uneven surfaces and secure railings to prevent accidents.

How to File a Home Insurance Claim

If a covered event occurs, you may file a claim with your insurer. Consider the following tips for an efficient process:

• Document the damage by taking photos or videos of the affected area and making a list of damaged items.

• Review your policy to understand what is covered and what your deductible amount is before filing.

• Report the incident to your insurance provider as soon as possible and provide the necessary documentation.

• Mitigate further damage and prevent worsening conditions, such as covering a leaking roof with a tarp.

• Cooperate with the adjuster your provider may send to assess the damage.

Unexpected events happen, but proper coverage can make all the difference. If you’re a homeowner in Jonesboro, Arizona, and need insurance, contact Global Risk Office LLC today. Our team can discuss policy options and help tailor a policy for you.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.