Common-Filed Home Insurance Claims

Your homeowners insurance in Millerton, NY is designed to protect you from facing financial hardship after a disaster. While homeowners hope they never have to use this coverage, the reality is that accidents happen. To help you understand the key risks your home faces, check out the top three home insurance claims and how to prevent them!

 

Water Damage

When a pipe bursts or sump pump malfunctions, serious damage can occur. Water damage can cause destruction to personal belongings as well as the structural integrity of the property if it is severe. In addition to being fairly common for homeowners, these claims are somewhat expensive, especially if the damage is extreme. You can perform annual checks on all pipes and appliances, and prevent pipes from bursting by protecting them from freezing to reduce the likelihood of filing a claim.

 

Fires

There is a large fire risk in each home. From stoves, ovens, candles, electrics, faulty wires, lights, and more, it’s no wonder that homeowners are commonly filing a claim. These types of claims tend to be the most expensive, especially since fire can cause a lot of destruction in a few seconds. A few safety precautions go a long way in keeping fire claims at bay. First, install smoke detectors, take care when cooking, avoid clutter around the stove area, never leave the oven unattended when in use, never leave a burning candle unattended, and avoid overloading plugs and sockets.

 

Exterior Wind Damage

Although where you live has a lot to do with the chance of a high wind claim, New York tends to be rather exposed, and so winds can cause some damage. Wind damage can tear shingles from roofs, pick up objects in your yard and slam them into walls and windows, and strong winds can topple trees on your property. To avoid the chance of a claim, ensure patio furniture and gardening tools are stored safely inside when not in use, prune trees and shrubs to get rid of weak branches, and examine your roof and repair at least annually.

 

When you’re looking to protect your property as best you can, contact your insurance professionals at Kneller Agency. Our dedicated experts are ready to assist you with all your home insurance needs.

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