The most common causes of home damage are very stable year after year, with slight variation dependent on weather events and the location of the residence. We can learn all about the most prevalent causes of house damage and insurance claims thanks to data collected by the Insurance Information Institute. While the weather is an important influence, you might be surprised by some of the other entries on the list. Understanding the dangers will enable you to plan ahead and take the necessary precautions to keep your property secure.
Hail, wind, and lightning
Strong thunderstorms, blizzards, and hurricanes are all capable of wreaking havoc on property in different ways. Wind and hail are the most prevalent natural disasters that result in home damage and homeowner’s insurance claims. Because wind can damage flashing, siding, and shingles, it’s crucial to keep your home’s exterior in good shape.
You should also be on the lookout for diseased or dead trees and limbs around your property, as these are major contributors to wind-related damage. Before a hurricane hits, make sure you have a plan for securing your home and board up windows if you live in a hurricane-prone location.
Damage Caused by Water Regardless of the Season
The most common cause of water damage to houses isn’t the weather. Instead, flooding is caused by plumbing problems such as leaks or frozen pipes that burst during the cold weather. Apart from other sorts of damage, water can cause significant mold problems that are not typically covered by homeowner’s insurance, which can also contribute to mold growth in the property. Maintaining plumbing, making sure pipes are properly insulated, and having vacation homes winterized when you won’t be there during the cold months will all help to reduce the likelihood of a disaster.
Flooding as a result of inclement weather
For homes in flood-prone areas, weather-induced water damages are an extremely serious concern. However, you can make sure that your property is weather-proof and that any access points are correctly sealed to reduce the danger of water damage. Some homeowners in flood-prone locations install pumps in their basements or crawlspaces to ensure that floodwater can be rapidly removed.
Damage Caused by a Fire
While fire damage accounts for a smaller percentage of insurance claims than other types of property damage, the financial toll it takes is typically far greater. Regularly monitor smoke alarms, keep fire extinguishers up to date, and use caution when using electronic gadgets. Make sure you have a strategy in place for a fire and that everyone knows exactly what to do to protect the people in your home.
Even while theft-related damage is far less common than any of the other types of loss on this list, it is nonetheless a concern for all homeowners. Fortunately, there are numerous readily available, low-cost security systems that can improve your home’s protection and lower your chances of being a victim of a burglary.
While the most prevalent causes of home damage differ, the best method to limit the dangers to your house is to stay up with general home care. Some risks cannot be avoided, so make certain that your house insurance policy covers everything you need.
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