Top 5 Most Common Insurance Claims

Chances are, if you are a homeowner, you have purchased a basic homeowners' insurance policy. Standard policies protect your home from disasters such as fire, theft, hail and more, depending on your specific coverage. Here are the top 5 insurance claims and what you can do to avoid them:


During storms with high wind & hail, your home can incur damage as a result of airborne debris, fallen trees, or tree branches and the force of the wind. Certain areas of your home like windows, doors, and the roof can be weak and particularly vulnerable to damage. If you live in coastal North or South Carolina, your policy may not include wind and hail coverage, so it's important to know what your coverage includes if you live in areas where these events are common.


Winter weather can bring water damage & freezing pipes, which is a category of damage typically covered by home insurance policies. Inspect your pipes to ensure they are properly insulated during cold weather and check for leaks. Run warm water through all faucets and shower heads periodically to prevent freezing. 


Other exterior property damage, is a catch-all, which includes vandalism and malicious mischief. Some examples of these claims might be broken outdoor lights or windows, damaged locks, lawn and garden damage, or if your home is defaced with spray paint. Help prevent these types of claims by keeping doorways lit at night and investing in a security system. Standard home owners policies cover claims like these but if you don't see this coverage in your policy, talk to your agent about adding it. 


According to FBI statistics, a theft or burglary occurs every 14.6 seconds. With over 2 million burglaries reported each year in the United States and over 75% of those being residential in nature, it's critical to take steps to keep your home from being an easy target. Invest in a home security system and make sure it is operating properly. Alert the police and a neighbor when you plan to be away from home for any length of time. Before you leave, set a few lights, and a television on timers to simulate your presence and keep would be burglars away.  Always double check all doors and windows to ensure they are locked properly. 


Luckily, fire & lightning aren't the most common claims, but they are often the most expensive. According to the Insurance Information Institute, more than $825 million in lightning claims was paid out to more than 100,000 policyholders. From kitchen grease fires to faulty electrical systems and lightning strikes, your insurance policy can help replace or repair damaged items if your home were to burn to the ground.

Unfortunately, basic policies don't always protect you in any situation you may encounter. Make sure your Insurance from AAA has the coverage you need so that you can have peace of mind. Ask about our Deluxe Home Protection that includes flood coverage, disaster mortgage insurance, and home warranty plans. Call us at 1-866-315-1252, or visit your local AAA Insurance Agent to find out more. 


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