Frequent Home Insurance Claims and How to Avoid Them
What Home Insurance Claims are Commonly Filed?
As a homeowner, you know you need insurance coverage. It protects you from all sorts of risks and disasters that threaten your finances, family, and possessions. To help you understand what common risks your home faces, take a look at the top home insurance claims. Then, review your home insurance in Thousand Oaks, CA to be sure you have the right coverage.
Ovens, unattended candles, overloaded sockets, holiday lights, oily pans, lights, faulty electrics – there are so many risks, it’s no surprise that fires are a common home insurance claim. Fires cause a whole lot of damage in a small amount of time and are often one of the most expensive home insurance claims. Take care while cooking, never leave lit candles unattended, and keep your fire alarm in working condition to help prevent fire damage.
Home break-ins account for a large percentage of home insurance claim costs, even in same areas where the crime rates are low. This is because thieves aim to steal valuable belongings, such as jewelry, art, antiques, technology, and cash lying around. They can also damage doors, windows, and other belongings in the process. As a result, the claim can get costly from replacing and repairing items. Improving your home security will help to prevent theft.
High winds may not seem like too much of an issue, but one bad storm can cause a lot of destruction for properties. Often, the home’s first defense (the roof) is severely damaged. In turn, this can lead to leaks in the home. Objects like branches and patio furniture can be picked up by strong winds and hurtled into homes and vehicles. While there’s little you can do to prevent wind damage, you can ensure your roof is in good condition and store outdoor furniture and plant pots inside when not in use.
Now you know which claims are common, take the time to review your home insurance coverage to be sure you have optimum protection. To find the right coverage for your needs, work with one of our friendly and experienced agents at Falsken & Associates Insurance Agency serving Thousand Oaks, Westlake Village, and neighboring cities in California.