When you buy your first home, the amount of things that can go wrong seems overwhelming. But many of the damages that occur to the typical home can be prevented with a little forethought by the homeowner. While nothing can protect your home forever, knowing what to be ready for and how to prevent some of the most common damages can help you minimize the extent of any damage that happens in your home.
According to Insurance Journal, weather-related claims are the most common, with more than half of all homeowners insurance claims submitted due to damage to the home during severe weather. However, fire damage related claims are more costly than weather damage claims. Read on to find out more about the causes of most damages around the home, and the steps you can take to prevent them.
Damages done to the home when severe weather occurs are some of the most common across the nation. Wind, hail and water damage can affect homes in most parts of the country, sometimes with little warning. The key to preventing these damages is to do your research. Find out what types of severe weather events, such as hurricanes, tornados, and thunderstorms, are most likely to affect your geographic area. Then consider installing protective materials at your home to help protect your property in case of extreme weather. Storm shutters, shatterproof glass, and heavy grade storm gutters can protect the home from getting damaged whenever the weather does change in a hurry.
Although insurers receive more claims for weather-related damages, fire-related damages are more expensive due to the destructive nature of a typical home fire and subsequent firefighting efforts. Home fires can often be caused by electrical issues, so ensuring that your home’s wiring is up to code and working properly is key to prevention. A licensed electrician should perform a check of your electrical system at least annually to make sure everything is working. Teach family members fire safety and minimize the use of candles in the home to reduce the risk of a fire starting due to inattention.
Theft and vandalism are less common types of homeowner’s insurance claims, but they can be the most
difficult types of losses to recover from. Even after a home is restored, the anger and fear caused by a break in can linger. If you live in a high crime area, there are many steps you can take to minimize your chance of becoming a victim:
Preventing a home loss doesn’t require much effort if you incorporate these things into your daily life. Make a habit of keeping your home maintained, listening to your local weather forecast and talking to your neighbors to keep abreast of what is happening in your neighborhood. This will make protecting your home easier and a regular part of your routine.
If your home is damaged despite your best efforts to protect it, do everything you can to get your insurance claim processed quickly. Five Star Claims Adjusting can help. Contact us before you file a homeowner’s insurance claim to get expert advice and assistance.