Home Insurance Claims That You Can Avoid Making

There is nothing more important than a good, safe, secure home.” Author Unknown

Home insurance is designed to protect you and your home from the unexpected—but what if some of those “unexpected” events could actually be prevented, and claims avoided?

If you understand the most common home insurance claims , it can help you avoid stress, damage, and costly deductibles.

Let’s take a look at the top 10 home insurance claims, along with some ideas on how to avoid having to make them.

Common claims you may be able to avoid…

1. Wind and Hail Damage – High winds and hail can damage roofs, siding, windows, and more.
   • How to Avoid It: Although you can’t control the weather, you can inspect and reinforce your roof, trim your trees regularly, and install storm shutters in high-risk areas.
2. Water Damage (Non-Weather Related) – Burst pipes, appliance leaks, and plumbing failures can lead to serious water damage.
   • How to Avoid It: Inspect hoses and pipes regularly. Consider installing smart leak detectors near your washing machine, water heater, and under sinks.
3. Water Damage (Weather-Related) – Heavy rain or snowmelt can seep into basements or cause flooding.
   • How to Avoid It: Grade your yard away from your home, clean gutters and downspouts regularly, and install a sump pump with a battery backup.
4. Fire and Smoke Damage – House fires—whether from cooking, faulty wiring, heating systems and seasonal electric decorations such as Christmas trees—are among the most severe claims.
   • How to Avoid It: Test smoke alarms monthly, avoid overloading outlets, and have your heating system inspected annually.
     • Keep a fire extinguisher handy in the kitchen.
5. Theft and Burglary – Break-ins can lead to stolen belongings and property damage.
   • How to Avoid It: Use deadbolt locks, install a security system, and keep your home well-lit.
     • Avoid advertising travel plans on social media.
6. Falling Trees and Branches – Trees can fall during storms, weak root systems or simply from decay, damaging roofs, fences, or vehicles.
   • How to Avoid It: Trim large limbs near your home and remove dead or diseased trees.
     • Hire a certified arborist if you’re unsure about a tree’s health.
7. Vandalism – Property defacement, broken windows, or other deliberate damage.
   • How to Avoid It: Security cameras, motion lighting, and neighborhood watch programs can help deter vandals.
     • Maintain a lived-in appearance when you’re away from your home.
8. Dog Bites or Other Animal Liability – Homeowners may be liable if their dog injures someone.
   • How to Avoid It: Always supervise pets around your guests, keep them leashed in public, and consider training classes if your dog is aggressive or reactive.
9. Accidental Injuries (Liability Claims) – Visitors who slip, trip, or fall on your property may file liability claims to cover their injuries.
   • How to Avoid It: Clear walkways, repair loose steps, and keep driveways free of ice and snow.
     • Ensure your yard and patio are safe for guests.
10. Lightning Strikes or Power Surges – Lightning can damage electronics or even start fires.
    • How to Avoid It: Use surge protectors for sensitive electronics and consider a whole-house surge protection system.

Planning ahead…

While home insurance is essential for peace of mind, prevention is just as important. A little maintenance and planning ahead can go a long way in reducing your risk, and your premium. Regular home inspections, safety upgrades, and smart technology can help you avoid the most common claims and keep your home safer for everyone.

If you’re unsure whether your current policy addresses all of these situations, talk to your insurance agent for a quick review. Staying informed today could save you thousands tomorrow.