Having homeowners insurance offers invaluable protection for your family and your possessions. In an ideal world, your home won’t ever suffer any damage, but it’s important to know what scenarios you may need to file a claim for. Over their 48-year history, the team at Wilson Insurance Agency in Dalton, GA, has seen their fair share of homeowners insurance claims.

Here are some of the most common ones:

• Wind Damage: Claims associated with wind damage are among the most filed by homeowners. Strong winds may topple trees, shatter windows, and damage roofs and other property structures. Some homeowners insurance plans assess damage based on whether the wind was related to hurricanes, tornadoes, and other catastrophic storms.
• Hail Damage: Hail can cause damage to roofing and siding, which may lead to costly water leaks in addition to aesthetic concerns. Fortunately, most policies will cover this type of damage so you aren’t stuck paying for it out of pocket.
• Plumbing Problems: Ruptured pipes in kitchens, bathrooms, and basements are also some of the most common and expensive insurance claims. Most insurance carriers will replace items damaged by plumbing problems and help you pay for repairs. However, if the leak is caused by neglecting to maintain your plumbing system over a long period, you may not be covered.
• Fire Damage: Accidents caused by fire rank highest in terms of costliest claims. From malfunctioning stoves to faulty wiring and space heaters, homeowners insurance claims involve a number of fire-triggered mishaps. While the home is being repaired, some insurance companies will cover temporary living expenses for displaced policyholders.
• Flood Damage: Most floods are caused by water leaks rather than natural floods. Claims are more likely to seek compensation from burst pipes than rain. However, keep in mind that natural flood damage may not be covered under homeowners insurance; additional coverage will likely be needed.

Having a sound homeowners insurance policy to cover a range of disasters means you won’t need to spend an exorbitant amount of money on repairs. Depending on the plan’s features, compensation may also be available for the full replacement of damaged items and property.

As an independent firm, Wilson Insurance Agency works with clients to secure budget-friendly coverage from the nation’s leading carriers. If you’re in the market for homeowners insurance, call (706) 278-0549 today for a free quote. Check out their website for information on their policies.