Share:

Home insurance is an investment, shielding your most valuable asset from damage or destruction. While these situations might seem rare, one in 15 American homeowners have to file a claim every year for everything from minor roof damage to thefts. Below are some of the most common reasons for filing a home insurance claim and tips for minimizing losses.

3 Common Reasons for Home Insurance Claims

1. Major Wind Damage

home insuranceStrong winds can take a toll on your home, removing roof shingles and pulling off your siding. In extreme cases, a storm might send loose branches onto your roof or break windows with flying debris. If you’re expecting a major weather event, make sure all outdoor furniture is secured, pick up toys or other items in the yard, and have dead tree limbs trimmed immediately.

2. Water Damage

It doesn’t take a major flood to cause water damage. Most causes of water damage come from inside the house, usually in the form of clogged appliance hoses or burst water pipes. Small roof leaks allow water to trickle into your walls and insulation, which can also cause significant damage. To minimize the risk, check old appliances regularly and monitor your attic for signs of water penetration.

3. Theft

The standard home insurance policy also protects the contents of your home, and it will replace your valuables in case of theft. Of course, most homeowners would prefer to prevent thefts in the first place. Always keep doors and windows secured when leaving the house, and consider investing in an alarm system. Not only can alarms be a powerful deterrent, but they might also get you a discount on your insurance premiums.

 

For over 40 years, Cundiff & Company Insurance has been “Protecting Your World,” with home insurance policies personalized to fit your needs. As one of Somerset, KY’s leading insurance agencies, they pride themselves on their competitive pricing and the personal service they provide to every client. Visit their website for more on their home insurance services, and call (606) 679-8379  to request your free quote today.

tracking