It Wouldn’t Happen to Me! Avoid These Top Home Insurance Claims

Posted on: April 25, 2016 by titan-goodrich

If you have an excellent VA Homeowners Insurance policy, you have the peace of mind of knowing you’ll be protected financially if your home becomes damaged. However, you can’t put a dollar amount on anxiety, fear, stress, and disruption to your life, all of which may accompany a home insurance claim. It’s definitely imperative to protect yourself with insurance. It’s also critical to take steps to prevent damage to your home. Read on to learn from other homeowners who thought, incorrectly, “It wouldn’t happen to me! Avoid these top home insurance claims.”

Wind Damage

It’s amazing to think that something that literally weighs nothing – air — can inflict so much damage. You may be surprised to learn that the most common homeowners insurance claims result from wind damage. One company analyzed data on claims filed between 2009 and 2015 and found that one quarter were related to wind damage. What can you do? Trim your trees, remove dead limbs, and when a storm is forecast remove anything that could become airborne (outdoor umbrellas, gardening tools, toys, etc.) from the exterior of your home.

Plumbing Malfunctions

Another top cause of insurance claims is water damage resulting from appliances like water heaters, dishwashers, washing machines, toilets, and sinks. Leaks from appliances cost billions of dollars annually, according to the Insurance Information Institute. What can you do? Make note of your water heater’s age and contact the manufacturer to find out its estimated lifespan. Check it annually, and as it approaches its maximum lifespan check it monthly for anything that seems amiss. If you notice even minor leaks in your appliances, have them evaluated and repaired promptly. And know where your home’s water shutoff valve is located and how to use it.

Hail

Rounding out the triad of top homeowners policy claims is hail. Unfortunately, you can’t shield your roof from hail. You can research roofing materials and spend a bit more money to purchase a roof that has been engineered to withstand hail damage. (Don’t forget to put your car in the garage or under a carport when a storm is in the forecast.)
You can and should take steps to reduce the risks that your home will be damaged due to weather or appliance failure. You can’t completely safeguard your home, though. That’s why you need a comprehensive homeowners insurance policy. Contact us at Goodrich & Watson. We’ve got you covered!

Posted in: blog Homeowners Insurance Property Insurance Virginia

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