Home Insurance in Papillion, Omaha, NE, Council Bluffs, IA, Bellevue and Surrounding Areas

What Are The Most Common Home Insurance Claims?  

Homeowners insurance is a type of property insurance that covers losses and damages to your home. It also protects assets in the house. 

Home Insurance in Papillion, Omaha, NE, Council Bluffs, IA, Bellevue and Surrounding Areas

Campbell Insurance Agency provides home insurance in Papillion, NE, Omaha, NE, Council Bluffs, IA, Bellevue, NE, Treynor, IA and surrounding areas. 

Most common claims provided by home insurance are: 

  • Water Damage: Water damage claims are among the most frequent and costly for homeowners. They can result from burst pipes, leaking appliances, or even natural disasters like floods. Repairing water damage can be expensive due to the potential for mold growth and structural issues. 
  • Wind and Hail Damage: Severe weather events such as windstorms and hailstorms can cause significant damage to roofs, siding, and windows. These damages often result in insurance claims for repairs or replacements. In regions prone to such weather, insurers may offer specific coverage for these perils. 
  • Fire Damage: Fires can cause catastrophic damage to homes, resulting in claims for rebuilding, repairing, or replacing damaged property. Common causes include electrical faults, cooking accidents, and wildfires. Home insurance typically covers fire damage, including smoke damage to belongings. 
  • Theft and Burglary: Theft and burglary are unfortunate occurrences that homeowners may experience. Stolen items such as electronics, jewelry, and other valuables can lead to insurance claims for reimbursement. Home insurance policies often provide coverage for stolen belongings, although there may be limits on certain categories of items. 
  • Liability Claims: Liability claims arise when someone is injured on your property due to negligence. This could be a slip and fall accident or a dog bite, for example. Home insurance includes liability coverage to protect homeowners from legal expenses and medical bills associated with such incidents. 
  • Frozen Pipes: In colder climates, frozen pipes can burst, leading to water damage. This commonly occurs during winter when pipes are exposed to freezing temperatures. Home insurance typically covers the cost of repairing the damage caused by burst pipes, as well as the cost of replacing damaged belongings. 
  • Roof Damage: Roofs are susceptible to damage from various sources, including storms, fallen trees, and aging. Insurance claims for roof repairs or replacements are common, especially after severe weather events. Some policies may have specific provisions regarding roof coverage, such as age and maintenance requirements. 

Understanding the most common home insurance claims can help homeowners make informed decisions when purchasing insurance coverage. It’s essential to review policy details carefully and consider additional coverage options based on individual needs and geographical risks. Regular maintenance and proactive measures can also help minimize the likelihood of experiencing these common perils. 

If you have any questions, please do not hesitate to call us.