Do you know the most common
residential insurance claims? Learn what they are so that you can prepare your
home this fall. That way, you'll prevent expensive repairs and possible
insurance rate spikes before winter weather strikes.
1. Water Damage
From a leaking roof to cracked pipes, water damage can ruin your home and
possessions. Inspect the roof and make any repairs before heavy snow and ice
arrive. Clean and repair rain gutters, too, to ensure water runs off into the
street instead of saturating the ground around your basement.
2. Fire Damage
Unexpected cooking or heating source fires can quickly level a home. While
you'll want to test your indoor smoke detector batteries and practice the
escape plan, replace furnace filters and clean the chimney, too. Then, inspect
the exterior of the chimney to remove bird nests and ensure it is in safe
3. Storm and Wind Damage
Snow, ice and wind storms damage fences and roofs. Take time now to trim trees
and remove dead or low-hanging branches that could do the most damage around
your property. Nail loose siding into place and secure patio furniture,
bicycles and other loose items inside the shed to prevent them from flying away
or being damaged.
4. Visitor Accidents
Uneven sidewalk, loose railings and worn deck stairs could cause your winter
visitors to slip and fall. Fix these problems now. Also, stock ice melt and a
sturdy shovel so that you can remove ice and snow as soon as bad weather starts
and before anyone suffers an injury.
5. Animal Bites
Prevent your dog from biting or attacking anyone when you repair the fence so
that it can't escape the yard. Ensure the lock is tight as well. When visitors
come into your yard, tie your dog securely to a post with a sturdy leash.
These five common insurance claims could affect you, but preventative measures
go a long way toward protecting your family, home and visitors this winter.
While you're at it, ensure your home insurance policy is up to date. Add
liability coverage or an umbrella policy if necessary when you talk to your