​5 Most Common Insurance Claims and How to Avoid Them

Insurance Neighbor • June 2, 2025

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People sitting in a living room with a blue bucket and yellow mop on a wet floor after a spill
June has arrived! This month is National Homeowners’ Month and National Safety Month. We celebrate both special recognitions by considering how homeowners can keep their properties safe and secure. Knowing the most common insurance claims can help you safeguard your property and avoid the risk of losses. Here are five prevalent homeowners' insurance claims and strategies to prevent them:​

1. Water Damage

Water damage is a leading cause of homeowners’ insurance claims. In California, for instance, water damage is one of the leading causes of homeowner claims, with interior plumbing leaks often being the most significant issue. The good news is that most leaks can be avoided:

  • Maintain your plumbing : Regularly inspect pipes for leaks or corrosion and address issues promptly.​
  • Install a leak detection system : Many smart systems are now available that can monitor your water usage. Just install as directed, and they will alert you to leaks before they escalate.​
  • Ensure proper drainage : Clear gutters and downspouts to direct water away from your home’s foundation.
  • Insulate pipes: Protect pipes in unheated areas, like sheds and outbuildings, to prevent freezing during cold weather.​
  • Maintain adequate heating: Keep your home sufficiently warm during cold spells; this can keep internal piping open and flowing. 
  • Allow faucets to drip: Letting faucets drip during extreme cold can help prevent pipes from bursting from a pressure build-up when water freezes. 

2. Wind and Hail Damage

Wind and hail are responsible for a significant portion of claims. Nationally, wind and hail affect approximately 1 in 35 homes annually. Be prepared and help your house weather the storm by following these prevention tips:

  • Inspect and maintain your roof : Regularly check for loose or damaged shingles and repair them.​
  • Secure outdoor items : Anchor furniture, grills, and other objects that could become projectiles during storms, or better yet, take them inside the garage when you expect bad weather. 
  • Consider storm shutters : Protect windows from hail and debris with appropriate coverings.​ Hurricane-proof glass is also available, protecting you from wind speeds up to 200 mph. 

3. Fire and Lightning Damage

Fire and lightning claims, though less frequent than water and wind issues, are often the costliest, averaging over $77,000 per claim, according to the Insurance Information Institute. ​Here are some ways to prepare for and prevent severe fire and electrical damage. 

  • Install smoke detectors : Place them throughout your home and test them monthly.​ Fire alarm batteries differ. Some smoke detectors need to be replaced every six months to a year, while others will last up to nine years or for the lifetime of the alarm. Know which type of alarm you have and replace the batteries on schedule to ensure ongoing protection.
  • Practice electrical safety : Avoid overloading circuits and replace damaged cords immediately.​ Too many extension cords strung around the house is a bad idea.
  • Maintain defensible space : To reduce wildfire risks, trim vegetation and create a buffer zone around your property.​ For example, stack firewood or dry garden trimmings 30 to 50 feet from buildings. 

4. Bodily Injury and Property Damage

With an average cost per claim of $30,000, allowing hazardous conditions on your property can hurt visitors and guests and increase your insurance premiums. Trampolines are lots of fun, but they can and do cause injuries. 
There are many ways a person can potentially have an accident, but keeping an eye out for the obvious things, like keeping walkways clear of toys or snow and ice, and not letting children run by the pool, can go a long way. Another interesting fact? Nearly one-third of personal injury claims against homeowners’ insurance come from dog bites, so keeping guests and your dog at a comfortable distance may help.

5. Theft and Burglary

Theft is a far less common claim homeowners make, but its effects can be devastating. Actions you take in your home, and even online, can make a difference. 

  • Install a security system : Visible alarms and cameras can deter potential intruders.​ Many systems now have apps you can use on your phone to view the camera feed from afar. 
  • Secure doors and windows : Use deadbolt locks and reinforce entry points.​ An open door is an invitation for thieves. 
  • Be mindful of social media: If you are concerned about the safety of your house during your departure, avoid announcing travel plans publicly, signaling an empty home.​
  • Get help from your neighbors: Ask a neighbor or a friend who lives nearby to keep an eye on your property and alert you of any suspicious activity. 

Are You Covered for Common Homeowners’ Claims? 

By implementing these preventive measures, you can reduce the likelihood of experiencing the most common insurance claims, but just in case, check your coverage. Have questions about whether your policy includes all of the above? Our homeowners’ insurance agents are ready to speak with you. Call our office today to learn more about your current coverage and what you may need for the future. 

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