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Five of the Most Common Causes of Insurance Claims

Five of the Most Common Causes of Insurance Claims

Five of the Most Common Causes of Insurance Claims

Did you know that most property insurance claims are made as a result of extreme weather?  Accidents that can happen because of weather, like heavy rains, extreme winds, or dangerous storm, can often wreak havoc on your home or property.   This can cause issues to your home that require repairs or complete replacements, which can become expensive.  Homeowners that have insurance policies are protected against these damages, which can cause them to enter into an insurance claims process with their insurance companies.  As an insurance adjuster, we assist many policyholders with their property claims in South Florida.  Let's take a look at some of the most common causes that lead people to make insurance claims.

Wind Damage

Wind can cause damages to the exterior of your home, especially when you live in hurricane-prone areas like that in South Florida.  From blowing branches and trees onto your home and damaging your rooftop to breaking windows or ripping off your siding, there are many damages that can be done by heavy winds.  Exterior wind damage accounts for about one-fourth of the insurance claims.

Non-Weather Related Damage

The next biggest category is not related to weather, but instead related to accidents that can happen inside the home.  This damage can be caused by issues with plumbing or electric.  This can cause extensive water or fire damage that will require you to process an insurance claim with your homeowners' insurance company.

Hail Damage

Surprisingly, hail damage is another large category of property insurance claims causes.  Hail typically damages roof structures on homes.  This can cause homeowners to need an entirely new rooftop, which is an expensive repair.  This means that you'll want to file an insurance claim to receive compensation that will help you pay for these expensive repairs or replacements to keep your home safe.

Rain, Snow, and Ice Damage

Other weather-related damages also make up a bulk of insurance claims.  Whenever heavy rains come into your area, they can cause flooding and water damage in your home.  This can cause a loss of property, and it can require expensive restoration services.  Snow and ice can also cause issues with rooftops and exterior features that will need to be replaced.

Theft

Unrelated to weather, theft is another major cause of insurance claims.  Whenever someone suffers from theft or burglary in their home or business, they may have lost thousands of dollars in precious belongings or technology.  You'll want to file an insurance claims to receive compensation that will allow you to replace some of these items.

These are the most common causes of property damage that lead homeowners to file property claims in South Florida. If you have suffered from property damage related to an unforeseen incident and are seeking compensation from your insurance company, you'll want to work with an insurance adjuster.  We can help you through the process to ensure that you receive a fair assessment of losses and a timely settlement from your insurance company.  Contact us to hear about how we can help you today.