Residence possession comes with joys and generally misery. When accidents and disasters strike, chances are you’ll have to file a house declare to revive issues again to regular.
Our consultants have seen all of it. So, we’re sharing 4 of the highest owners claims examples and tricks to defend your house – beginning in the present day.
1. Wind and hail. Harm from tornadoes, excessive winds, hurricanes, thunderstorms, and hail is likely one of the high owners insurance coverage claims examples.
What you are able to do: Trim low-hanging or lifeless branches that would harm your house’s roof, siding, or home windows. Put trash cans, ladders, garden gear, bikes, and residential undertaking objects in a storage or protected space so particles doesn’t blow into your house and trigger harm.
2. Hearth and lightning harm. Hearth and lightning claims are frequent and will be expensive. However you possibly can assist cut back the danger by assessing your house and dangers.
What you are able to do: Begin with surge safety and outlet security. Use extension cords sparingly, and by no means plug one extension twine into one other. Keep away from utilizing house heaters as they’ll improve hearth danger, and maintain issues like curtains and furnishings a protected distance away from baseboard heating.
Outlet security is particularly necessary throughout storms. Do you know a lightning bolt’s temperature can attain 50,000 levels? If your house is struck throughout a storm, there could possibly be an influence surge which may result in hearth. To remain protected, unplug gadgets earlier than storms roll in.
3. Water harm and freezing. Whether or not it’s from rain, a burst pipe, or a leak, water harm is a frequent residence insurance coverage declare.
What you are able to do: Examine hoses and taps commonly, together with those who hook up with the dishwasher, washer, and fridge. Additionally examine your sump pump yearly. Within the loos, caulk round showers and bathtubs to stop leaks. Outside, clear out gutters and guarantee downspouts drain an ample distance away from the home, and plant timber away from the home to stop root harm to the inspiration, underground pipes, septic tanks, and sprinkler traces.
4. Theft and vandalism. The FBI reported greater than 1.1 million burglaries within the U.S. in 2019 – making residence theft a high cause for residence claims.
What you are able to do: To start out, learn our 11 efficient ideas for residence theft prevention. Set up residence safety cameras or alarms. Preserve home windows and doorways locked, and maintain the outside of your house properly lit. If you happen to’re touring, have a neighbor regulate your property. Moreover, conserving a listing of big-ticket objects in your house, together with receipts and images, can assist expedite the claims course of.
Have to file one in every of these frequent residence claims? Our consultants are right here to assist. We stand behind our quick, truthful claims service and can be found across the clock. Have a query about residence insurance coverage protection? Discuss to one in every of our native, impartial brokers in the present day.