At Saffren and Weinberg, Marc Alan Weinberg, Attorney and Kenneth Scott Saffren, Attorney are partners. The firm’s tagline is “The People’s Voice In Court.” They make themselves available via phone at (215) 576-0100 or by email on the Saffren and Weinberg website. Saffren and Weinberg provides a no-charge, complimentary case review and answers questions for prospective clients.
5 most common types of property damage
One of the largest investments you will make in your life will be the purchase of a home. It is necessary to obtain home insurance in order to protect it. Home insurance provides coverage for the home itself and also other belongings within the home from potential problems or disasters. Most people hope they never have to file an insurance claim but these policies are in place to protect against various property damage claims.
Most standard policies protect the home and its contents from disasters such as fire, wind, theft, hail, and more; this coverage will vary depending on the provider and coverage selected. Statistically, one in fifteen insured homes will have to file a claim each year. We will take a look at the most common claims but be mindful, an attorney at law can make sure you that you file correctly and are treated fairly in your recovery.
Wind and Hail
These are the most common insurance claims under home insurance policies. These claims include: hail storms, tornadoes, and hurricanes. Typically, damage by any of these forces of nature will be covered by home insurance.
You may be required to purchase additional policies if you live in a certain region that is susceptible to these perils. Some policies will not cover wind and hail if you live in Tornado Alley or coastal states with a high rate of hurricanes.
Water Damage and Freezing
Much of the United States experiences below freezing temperatures during the winter months. Many homes will suffer broken pipes if they are not properly insulated against the cold. The good news is that this type of water damage is typically covered by home insurance policies. As a homeowner, you should inspect your pipes routinely to catch any leaks that may have developed. You should also keep your pipes insulated and take preventative measures to avoid freezing as the temperature drops.
Home insurance policies will also cover water damage from rainwater, ice storms, and flooding. Should your home suffer any type of water damage, you should keep in mind what your property damage claim time limit is to ensure recovery.
Other Property Damage
According to the Insurance Information Institute, this type of damage includes vandalism and malicious disruption. A few examples include: your outdoor lights or windows are damaged, your garden is dug up, your trees or bushes have been cut, or your home has been spray-painted. Standard home insurance will cover these damages but check your policy to make sure. If your damage is not listed, contact your agent to add the additional coverage.
As a homeowner, your biggest fear is coming home to a broken-down door and a pillaged house. In 2010, the FBI found that 74 percent of burglaries occurred in residential neighborhoods. This was out of roughly 2.2 million burglaries across the United States. Although, the damages that result from theft are protected under home insurance policies, you should take steps as a homeowner to reduce the likelihood of having these events occur.
Fire and Lightning
This type of damage is not as frequent but they can cause an extensive amount of damage. Between 2009 and 2013, the average claim in this category was $37,153.
Fires can be started in a number of ways. Whether it be a grease fire in the kitchen, an electrical fire, or a fire caused by a strike of lightning, your insurance should be there to protect you. Make sure you check with your insurance provider to ensure you are covered under these types of damages so that you can fill out the appropriate property damage claim form when the time comes.
Contact Us Today
You can take the appropriate steps to protect your home and still end up in battling with a home insurance company to receive adequate recovery on your home. It is important to contact an attorney at law to help guide you through the claims that you should be filing. Get a free consultation today by calling Saffren & Weinberg at 215-576-0100.