5 Common Causes Of Home Insurance Claims

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5 Common Causes Of Home Insurance Claims

Home insurance is something that you wish you’d never have to use. Using it means you’ve suffered damages around the house due to an accident or sudden event. Your home is a very big investment and it is something that you need to take care of.

To find out what causes a policyholder to file a home insurance claim, here are the top reasons and some information on how to avoid them.

Strong Winds, Tornadoes and Hurricanes

Wind is very scary especially if it comes on strong. You may not see it but these are deadly and can uproot your home in case of a tornado. If your area is prone to windstorms, you need to check your policy and make sure that you have enough coverage for it.

Alternatively, if you don’t live in an area prone to heavy storms, it’s still best to add it to your policy. You may be able to talk to your insurance agent for lower rates as long as you get a certification that your home is fully backed-up and protected from heavy winds.


Hail can cause big damages to your home even though it comes in small pieces. This is why you need to make sure that your area is not prone to hail, and if it is, you need to consider increasing your hail insurance coverage.

Water Damage

Water always tries to find a way in and that’s why we experience leaks inside the house during heavy rains. Water damage in a home may be from the nearby river or lake or it may also come from the pipes on the walls. No matter where it came from, water can do some serious damage and can cause your walls to look older and less attractive.

If you live in an area where there are often heaven rains, protect your home by installing reinforcements on your roof. You can also have your pipes checked from time to time.

Fire Accidents

This is one of the most common reasons for insurance claims. A house catching on fire can be caused by a lot of reasons such as faulty electrical wiring, kitchen equipment, appliances and many more. It’s important to make sure that your home is protected from accidental fire by turning off the house’s electricity if you are going to be away on vacation.

Ice and Snow

The winter season not only poses a threat on your health but it also is one of the main sources of roof damage. Ice is heavy and if a big one goes through your roof, it’s sure to leave a big hole on your ceiling. Snow can also damage the home by getting your walls wet and leaving molds surrounding the house.

At Sameday Insurance, we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you please contact our agency at (888) 750-9775. or Click Here to request a free quote.


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