Owning a home comes with its share of responsibilities, and part of protecting your investment is having the right homeowners insurance. However, many claims are preventable with the right precautions. In this post, we'll explore the most common home insurance claims in North Carolina and how you can avoid them.
1. Water Damage Claims
Water damage is one of the most frequent home insurance claims in North Carolina, whether from heavy rain, plumbing issues, or leaks. This type of damage can be costly, especially if it impacts the structure of your home or your personal belongings.
How to Avoid Water Damage:
- Inspect your plumbing regularly for leaks, corrosion, or wear and tear.
- Clean gutters and downspouts to ensure proper water flow away from your home.
- Install a sump pump in areas prone to flooding, such as basements.
- Consider water leak detection devices to alert you to any issues before they become major problems.
2. Wind and Storm Damage
North Carolina is no stranger to hurricanes and severe storms, especially in coastal regions. Wind can tear off shingles, damage windows, and even uproot trees, causing significant damage to homes.
How to Avoid Wind and Storm Damage:
- Secure outdoor items like furniture, grills, and décor before a storm to prevent them from becoming projectiles.
- Trim trees around your property regularly to reduce the risk of branches falling on your home.
- Install storm shutters or impact-resistant windows to protect your home from wind damage.
- Ensure your roof is in good condition, and replace missing shingles promptly.
3. Fire Damage
Although not as common as water or wind damage, fire can cause catastrophic destruction to homes. Fires may result from kitchen accidents, faulty wiring, or heating systems.
How to Avoid Fire Damage:
- Install smoke detectors on every level of your home and test them regularly.
- Avoid overloading outlets and inspect your wiring if your home is older.
- Keep a fire extinguisher in key areas, like the kitchen, and ensure everyone in your household knows how to use it.
- Never leave cooking, candles, or space heaters unattended.
4. Theft and Vandalism
While North Carolina is generally a safe place to live, property crimes like theft and vandalism do occur, especially in urban areas. Stolen or damaged property is a frequent claim under home insurance policies.
How to Avoid Theft and Vandalism:
- Install a security system with cameras and motion-sensor lights to deter potential burglars.
- Lock doors and windows even when you're home, and use deadbolts for added security.
- Avoid advertising when you're away by pausing mail deliveries or asking a neighbor to check on your home.
5. Liability Claims
Homeowners can also face liability claims if someone is injured on their property. Common causes include slips and falls, dog bites, or injuries from faulty structures.
How to Avoid Liability Claims:
- Ensure walkways and driveways are well-maintained and free of hazards like ice or debris.
- If you own a dog, ensure they are well-trained and properly secured, especially around visitors.
- Maintain handrails on stairs and decks and ensure all outdoor areas are well-lit.
Conclusion: Prevention is Key
While homeowners insurance provides valuable protection, taking proactive steps to reduce risks can save you from filing a claim and paying higher premiums. Regular home maintenance, being prepared for severe weather, and ensuring your home is secure can all go a long way in preventing the most common types of claims.
For more advice on how to protect your home or to review your homeowners insurance coverage, contact Harbor Insurance today. Let us help you safeguard your most valuable asset.