Slideshow: Top homeowner claims and how to avoid them

Posted in General, Home

“Oh, that won’t ever happen to me.” This is a common response homeowners have when hearing about unforgettable damage done to someone else’s home. Whether it be ruined mementos due a broken faucet while you were out of town, a fire caused by a forgotten hair straightener or a break-in while on vacation, people don’t believe it will happen to them, until it does.

Water, fire and theft claims are among the most common with homeowners; however, in many cases, easily avoidable. Learn how these top three homeowner claims can be avoided.

Water Damage
Ways to avoid water damage include:

  • Ensure your sump pump is working correctly
  • Turn off your water when going out of town for any period longer than a weekend
  • Avoid frozen pipes by setting your home temperature no lower than 55 degrees
  • Install a water leak detector

Fire Damage
Ways to avoid fire damage include:

  • Always blow out candles before leaving your house or going to bed
  • Check your stove and oven to ensure they are turned off
  • Clean out the lint trap in your dryer between every load
  • Test your smoke alarms regularly

Theft and Burglary
Ways to avoid theft claims include:

  • Don’t post to social media about an upcoming vacation
  • Don’t have packages delivered to your home while on vacation
  • Have a neighbor check in on your house while you are gone for an extended period of time
  • Install a home security system

Contact your Independent Insurance Agent today to review your policy and learn more about how you can be best protected in the event that your home is damaged.

Disclaimer: This article is for informational and suggestion purposes only. If the insurance policy coverage descriptions in this article conflict with the language in the policy, the language in the policy applies.


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