If you’re filing an insurance claim on your home, you’re not alone! One in every 15 homes will file an insurance claim this year, totaling over 4.8 million home insurance claims a year. If you are going to join that number this year, check out whether or not you’re filing for one of the most common home insurance claims in the country, and make sure to use a public insurance adjuster in NJ and PA to make sure you’re getting the highest claim possible!
1) Damage from wind and hail. The most common insurance claims are related to damage from wind and hail. The most common damage comes to roofing, as hail and heavy winds can rip shingles from the roof. Hail damage frequently dents metal roofing, causing the need for shingle replacements. While most of the time, this type of damage is covered under comprehensive home insurance policies, if you live along the Atlantic Ocean or in the Gulf of Mexico, you may have to pay extra for this type of coverage. Speak with your insurance agent to make sure that you’re covered, and be sure to speak with a company providing public adjuster services in PA or NJ before making your claim!
2) Water damage and freezing. When the temperatures start to drop, many homeowners experience problems with damage in their pipes or gutters, as water can settle, freeze and cause leaks or bursting. Keeping pipes insulated during the winter can prevent freezing, leading to pipes that are healthier and safer during the winter.
3) Fires and lightning. Home insurance claims involving fire and lightning are among some of the most expensive. The average claim involving a fire was over $37,000 between the years of 2009 and 2013, making these claims about $17,000 more expensive than the next leading claim (bodily injury and property damage). From grease fires to lightning strikes, these claims are among the most expensive and dangerous.
If you are dealing with an insurance claim, contact our team at R.P. Adjustment Group by calling 800-266-1965 to learn more about our services.