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.
For more on storm-related risks and contractor issues, see Storm Damage, Contractor Scams, and Common Residential Insurance Claims.
Most common residential insurance claims
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Water damage. From a leaking roof to cracked pipes, water damage can ruin your home and possessions. Inspect the roof and make repairs before heavy snow and ice arrive, and clean and repair rain gutters so water runs away from the foundation instead of toward the basement.
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Fire damage. Unexpected cooking or heating-source fires can quickly level a home. Test smoke detector batteries, practice an escape plan, replace furnace filters, and clean the chimney while checking the exterior for nests or damage.
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Storm and wind damage. Snow, ice and high winds can damage fences, roofs and siding. Trim trees and remove dead or low-hanging branches, secure loose siding, and store patio furniture, bicycles and other loose items so they cannot blow away or cause damage.
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Visitor accidents. Uneven sidewalks, loose railings and worn deck stairs can cause slips and falls. Fix these hazards now and have ice melt and a sturdy shovel on hand to clear walkways quickly when bad weather starts.
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Animal bites. Prevent dog bites by repairing and securing fences and locks so pets cannot escape. When visitors arrive, keep dogs leashed or otherwise restrained to reduce the risk of an incident.
These five common claims could affect you, but preventative measures go a long way toward protecting your family, home and visitors this winter.
If you have specialty equipment or services at home, review options such as Camera Repair Insurance to understand any coverage gaps.
Also ensure your home insurance policy is up to date — add liability coverage or an umbrella policy if needed and talk to your agent today.
Frequently Asked Questions
What is the most common cause of water damage claims?
Leaks from roofs, plumbing failures and appliance malfunctions are the most frequent causes of water-related claims.
Will homeowners insurance cover damage from frozen pipes?
Many policies cover sudden and accidental damage from frozen pipes, but coverage can depend on maintenance and whether precautions were taken to prevent freezing.
Does filing a claim always increase my insurance rates?
Not always; rate changes depend on your insurer, the claim type, your claims history, and state regulations.
How can I reduce liability for visitor accidents?
Keep walkways clear, repair tripping hazards, post clear warnings if needed, and maintain railings and stairs to reduce the risk of injuries.