It’s safe to say that many people’s biggest asset is their home. That’s why it’s so important to have the right homeowners insurance from Freedom Insurance.
It also helps to know the most common causes of homeowners claims. Here are the top five causes of homeowners insurance claims at Erie Insurance along with tips on how they can be avoided.
1. Hail
Hail can cause big damage. Unfortunately hail storms are unpredictable and can’t be avoided in certain areas. What you can do is contact your agent and do not authorize any repair work to be completed prior to the adjuster’s inspection. (The same applies to discarding any property that was damaged.) Evidence plays a crucial role when it comes to settling your claim.
2. Wind
Heavy winds, tornadoes, hurricanes–wind is one of the most destructive forces on earth. When you are aware of an incoming storm take precautions. Reinforce the garage door, cover windows and doors, Secure shingles, fasten metal siding and metal roofing, remove trees too close to the home, Anchor potential projectiles.
3. Water
Whether it’s from a natural source like a lake or river or from a pipe in your wall, water has the potential to cause a lot of damage. You can prevent water damage by:
·Being careful where you plant. Some plants and trees, have invasive roots.
·Cleaning out roof gutters
·Keeping an eye on your water bill
·Using a drain snake instead of unclogging drains with chemicals
·Refraining from pouring grease down your sink
4. Fire
Fires have many causes. Here are the top tips to protect your home from this threat.
Cooking
Stand by your pan Because cooking causes so many home fires, it’s essential to give anything that’s on top of your stove has your undivided attention. If you have to leave [the kitchen], turn the heat off [the burner] before you answer the phone or leave the room.
Heating
A space heater needs 3 feet of clear space all around it in all directions, keeping it away from draperies, furniture, bedspreads, people, and pets. In addition, homeowners should have their central heating equipment professionally inspected and serviced each heating season. And if you regularly have logs burning in your fireplace, get your chimney inspected and cleaned annually as well.
Smoking
Take it outside If you have a smoker in the house, the best way to prevent cigarette-related home fires is to institute a policy of no smoking indoors. In addition, cigarettes should be doused with water before they are thrown away to make sure they are completely extinguished.
Electrical
Cord checkup Check all of your electrical cords to ensure that they are in good shape, and replace any that are worn out. In addition, one plug per receptacle.
Another way to protect your home is with the right homeowners insurance. Talk to your Freedom Insurance agent to learn about your options and get a free quote.
Freedom Insurance Agency
(410) 795-2005
