Understanding the most common claims made under homeowners policies can help you avoid claims as well as be prepared to file a claim if damage occurs. If you live in the Escanaba, MI area and would like to learn more about these claims, reach out to an agent at Luft Insurance Agency today.

The number one claim made against homeowners insurance policies is wind damage. Wind can cause trees to fall on your home causing damage to the roof and walls. In addition, it can rip the siding off your home. When you know there will be a storm or strong winds, be sure to secure items such as patio furniture around your house so that it does not get picked up and thrown onto your home by the wind.

Another common claim made against homeowners insurance policies is water damage. Water damage can be caused by an exploding pipe in the winter or an overflowing toilet. Water damage can also include weather-related damage caused by rain.

Damage from hail is also a leading claim made under homeowners policies. Hail claims can often be larger claims as hail can cause a lot of damage to roofs and severely damaged siding. Large hail can even break windows so try to stay away from the windows during a hail storm.

Theft is also a common claim made under home insurance policies. Theft coverage will cover both the personal property loss as a result of the break-in in addition to any damage the thieves may have caused to your home. If you have luxury items such as jewelry or fine art in your home, reach out to your insurance agent to make sure you have the appropriate coverage.

If you live in the Escanaba, MI area and would like to learn more about home insurance, please reach out to an agent at Luft Insurance Agency today.