Ways to Avoid common Homeowner Insurance Claims

Accidents happen, and sometimes you need to file an insurance claim. However, many common homeowners’ insurance claims can be prevented with the right precautions. Taking proactive steps to protect your home can reduce your risk and help you avoid costly damage.

Whether it’s fire damage, water-related issues, or theft, understanding these risks and implementing preventative measures can save you time, stress, and money. And if the unexpected does occur, Sparks Insurance is here to ensure you have the coverage you can trust.

Common Home Insurance Claims and How to Prevent Them

Fire Damage and Electrical Fires

One of the most devastating and costly insurance claims homeowners face is fire damage. According to the Insurance Information Institution, fire and lightning top the list of most expensive insurance claims between 2018 – 2022, averaging nearly $80,000 and accounting for 22% of homeowner claims.

Fires can start in various ways, such as unattended cooking, heating malfunctions, or faulty electrical wiring. To prevent fire-related claims, homeowners should install smoke detectors on every level of their home and test them regularly to ensure they are functioning properly. Cooking should never be left unattended, and flammable items should be kept away from stoves, space heaters, and candles.

Electrical issues are another leading cause of home fires, making regular inspections of wiring and appliances essential. Avoid overloading outlets, use surge protectors for major appliances, and have an electrician check your system if you live in an older home. These precautions can significantly reduce the risk of a fire and minimize potential damage.

Wind and Hail Damage

Severe weather, including strong winds and hail, can cause extensive damage to roofs, siding, and windows. From 2018 – 2022, wind and hail accounted for an average of 41% of all homeowner claims. In 2024 there were more than 5,000 hail events reported in the United States. While storms are unpredictable, homeowners can take steps to reinforce their homes and prevent damage.

Inspecting the roof annually and repairing damaged shingles or loose flashing can help prevent leaks and structural issues. Outdoor furniture, trampolines, and decorations should be secured or stored away before a storm to avoid potential hazards.

Homeowners in high-risk areas may want to consider impact-resistant roofing materials for added protection. Additionally, trimming trees and removing weak branches can prevent them from falling on the house or rubbing against structures during high winds. Taking these steps can help safeguard the home from costly weather-related claims.

Non-Natural Event Water Damage

Water damage made up an average of 24% of all homeowner insurance losses between 2018 – 2022. Water damage that results from plumbing issues, appliance failures, or leaks is a frequent cause of home insurance claims. Burst pipes, leaking water heaters, and broken washing machines can lead to extensive damage if not addressed quickly. To prevent these types of claims, homeowners should regularly inspect their plumbing system for signs of leaks or corrosion. Replacing old pipes before they fail and installing a water leak detection system can provide early warnings and help minimize damage.

If leaving home for an extended period, turning off the main water supply can prevent unexpected leaks or flooding. Proper maintenance of appliances, such as regularly checking hoses and connections on washing machines and dishwashers, can also prevent costly water damage repairs.

Weather-Related Water Damage

Heavy rain, flooding, and snow can result in serious water damage to a home. Gutters and downspouts should be kept clear of debris to allow water to drain properly and prevent roof leaks. Homeowners should also check their roof periodically for signs of wear and tear that could lead to leaks. In flood-prone areas, improving drainage around the home by grading the landscape or installing sump pumps can help reduce the risk of water damage.

Those who live in areas at risk for flooding should consider purchasing flood insurance to ensure their home is protected beyond what standard homeowners’ insurance covers. In 2023, 22% of homeowners reported that they are at risk of flood, but only 78% purchased flood insurance either from a private insurance provider or through the National Flood Insurance Program.

Theft and Burglary

Break-ins and property theft, while accounting for only 1% of homeowners claims between 2018 – 2022, are another common reason homeowners file insurance claims. Fortunately, there are several ways to deter burglars and reduce the likelihood of theft. Installing a home security system with cameras and alarms can provide a strong deterrent and give homeowners peace of mind. Keeping doors and windows locked at all times, even when at home, can also prevent easy access for intruders. Motion-sensor lighting around entry points makes it more difficult for burglars to go unnoticed.

Additionally, homeowners should avoid posting travel plans on social media, as this can alert criminals that the home will be unoccupied. Similarly, leaving boxes from high-dollar purchases by the roadside can signal to potential thieves that you have expensive new items inside your home. Breaking down boxes and disposing of them discreetly can help prevent unwanted attention. By implementing these security measures, homeowners can protect their belongings and reduce the risk of theft.

Slip and Falls on Your Property

Injury-related claims can arise when visitors slip and fall on a homeowner’s property. These claims often involve medical expenses and legal fees, making prevention crucial. From 2018 – 2022, bodily injury, property damage, and medical payments paid through homeowners’ liability coverage made up just under 3% of all homeowner claims.

To reduce the risk of slip-and-fall accidents, homeowners should ensure driveways, sidewalks, and walkways are free of ice, snow, or debris. Uneven surfaces, such as cracked pavement or loose railings, should be repaired to eliminate tripping hazards. Adequate lighting around stairs and pathways can help prevent accidents, especially at night. If a home has a pool, installing a fence and safety features can help prevent accidental falls and potential liability claims.

Homeowners insurance is essential for protecting your property, but preventing claims is the best way to avoid unnecessary stress and costs. Taking proactive steps to reduce risks—such as fireproofing your home, maintaining plumbing, securing your property, and preparing for severe weather—can help keep your home safe. Sparks Insurance is here to help homeowners understand their policies, prevent risks, and navigate the claims process when needed. Contact us today to request a quote.