Common Homeowners Insurance Claims and How to Prevent Them

If you are a homeowner or about to be one, you may wonder how to best protect your home from the unexpected. One place to start is by reviewing the most common homeowners insurance claims and ways you can prevent them. While many incidents are unavoidable, some can be mitigated by taking proper precautions.

Most Common Homeowners Insurance Claims 

The following are some of the most common types of homeowners insurance claims:

• Fire and smoke damage
• Water damage (e.g., burst pipes and leaks)
• Theft and burglary
• Wind and hail damage

Tips to Prevent Homeowners Insurance Claims

Use the following maintenance tips to prevent homeowners insurance claims:

• Consider installing motion sensor lighting and security cameras on your property.
• Put locks on all windows and doors, and ensure they are engaged at night and whenever you leave.
• Check the seals surrounding showers, tubs, sinks and toilet bases.
• Ensure that your sump pump is in good condition and operating correctly. Consult a qualified professional if you notice any potential issues.
• Inspect hoses, fittings, pipes and valves on appliances, such as water heaters, dishwashers, refrigerators and washing machines, for potential leaks, cracks or corrosion. Schedule repairs as soon as possible to avoid more severe damage.
• Clear your roof and gutters regularly to prevent ice or debris buildup.
• Monitor your roof for loose shingles or other damage.
• Install smoke alarms on every level of your home and inspect them monthly.
• Clean out the lint from dryers after every use and air filters regularly.
• Don’t pour sticky, greasy or thick substances down your sink drain.
• Invest in a smart water sensor to detect leaky appliances.
• Consider purchasing a fireproof lockbox for irreplaceable items.
• Never leave lit candles unattended.
• Don’t put off home repairs that could result in further damage.
• Inspect your HVAC system seasonally. Change air filters every three months, clean ducts and ensure your HVAC system works efficiently.
• Trim trees and bushes around your property. Removing dead branches and overgrown foliage can help prevent damage from heavy winds and snowfall.
• Keep matches and lighters out of reach of children.

Homeowners Insurance in Bethpage, NY

Besides staying up to date on home maintenance, it’s also essential to regularly review your homeowners insurance policy. Contact James V. Funaro Agency to discuss your homeowners insurance policy today. We can recommend coverage options and risk mitigation techniques for your specific property.

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.