The Most Common Home Insurance Claims (And How to Avoid Them)

Your home is likely one of the biggest investments you’ll ever make, which is why having homeowners insurance is so important. It protects you from unexpected disasters, but let’s be honest—filing a claim is never fun. Not only can it be a hassle, but it might also lead to higher premiums down the road.

The good news? Many of the most common home insurance claims are totally preventable with a little preparation and maintenance. Here’s a look at what homeowners file claims for most often and how you can avoid the same pitfalls.

1. Wind and Hail Damage
Storms can be brutal, and wind and hail damage are among the top
home insurance claims year after year. From missing roof shingles to dented siding, severe weather can wreak havoc on your home.

How to prevent it:

• Get regular roof inspections to catch weak spots before a storm does.
• Trim back overhanging tree branches that could break off and cause damage.
• Consider impact-resistant roofing materials if you live in a storm-prone area.

2. Water Damage and Burst Pipes
Few things cause as much damage as unwanted water in your home. Leaky roofs, burst pipes, and plumbing issues can lead to expensive repairs and mold problems.

How to prevent it:

• Insulate exposed pipes to keep them from freezing and bursting in winter.
• Check for leaks regularly under sinks, near water heaters, and behind appliances.
• Clean your gutters to prevent ice dams and water from seeping into your roof.

3. House Fires
Even small fires can cause massive damage, and fire-related claims are some of the most expensive to file. Cooking accidents, faulty wiring, and heating equipment are common culprits.

How to prevent it:

• Never leave cooking unattended—grease fires start in seconds.
• Check smoke alarms twice a year to make sure they’re working.
• Have a fire extinguisher in the kitchen and know how to use it.
• Schedule an inspection for fireplaces and furnaces before winter hits.

4. Theft and Burglary
Break-ins can happen anywhere, and they leave more than just financial damage—they can also shake your sense of security.

How to prevent it:

• Install motion-sensor lights and security cameras around your home.
• Keep doors and windows locked, even if you’re just stepping out for a bit.
• Avoid posting vacation plans on social media—you don’t want to advertise an empty house.

5. Injuries on Your Property (Liability Claims)
If someone slips on your icy walkway or trips over an uneven step, you could be on the hook for medical bills and legal costs.

How to prevent it:

• In winter, shovel and salt your sidewalks and driveway to prevent slips.
• Repair loose railings, uneven walkways, and wobbly steps.
• If you have a dog, make sure visitors feel safe and supervise interactions.

6. Roof Damage
Roofs take a beating from the elements, which is why roof damage is one of the most common home insurance claims.

How to prevent it:

• Get a professional roof inspection at least once a year.
• Replace damaged or missing shingles as soon as you notice them.
• Check your attic for leaks after heavy rainstorms or snow.

7. Dog Bites & Pet-Related Liability Claims
Even the friendliest dogs can sometimes bite or knock someone over, which can lead to liability claims under your home insurance policy.

How to prevent it:

• Supervise your dog around visitors, delivery drivers, and kids.
• Make sure your pet is properly trained and socialized.
• Check your policy—some insurers exclude certain dog breeds from coverage.

8. Falling Trees & Branches
A storm or heavy snow can send a tree limb crashing down on your home, car, or even your neighbor’s property.

How to prevent it:

• Have a certified arborist inspect your trees for weak or dying branches.
• Trim back overgrown limbs that hang too close to your roof.
• Remove dead or leaning trees before they become a problem.

The Bottom Line
While you can’t prevent every disaster, taking a few precautions can reduce your risks and save you money on home insurance claims. A little routine maintenance, some smart security upgrades, and an awareness of common hazards can go a long way in keeping your home safe.

And if the unexpected does happen? Having the right homeowners insurance can help you recover quickly without breaking the bank.

Is Your Home Insurance Giving You the Best Protection?
At National Insurance Brokers, we help homeowners find the best coverage at the right price. If you’re not sure whether your policy gives you the protection you need, we’re happy to review it for you.

Get in touch today for a free policy review and make sure your home is fully covered.