How To Avoid Homeowners Insurance Claims

Common Perils Homeowners Are Faced With

In securing your home and family from disaster, you have obtained a homeowners insurance policy. Unfortunately, that policy comes with some unique homeowners insurance claims that you must be weary of. There are a variety of different types of claims that homeowners are faced with, but we believe the following, costly claims should be avoided whenever possible:

  • One of the most common misunderstood areas of a homeowners insurance policy is water damage coverage. Insurance carriers have clear distinguishing factors that determine whether damage caused by water is covered or not. Any water that enters from the outside is known as flood damage, which is specifically excluded from coverage of your homeowners insurance policy. In contrast, a burst pipe would constitute as water damage, which is covered. To combat this issue, you will need to obtain a separate flood insurance policy.
  • One of the costliest of homeowners insurance claims are dog bite liability claims. If you have recently welcomed a pooch into the family, it is important that you practice non-aggressive tendencies with your pup and enroll them in a behavioral class. Additionally, make sure to put your pet in a safe location away from guests when having a party to reduce your liability risks.
  • Far too many of us assume that living in California means we do not need to prepare our homes against storms. Unfortunately, this habit often leaves Californians in harm’s way when a disaster arrives, since none of the preventative measures have been taken. Look for ways to conduct winter weather protection on your home so that it can prevail through the changing seasons.

Are you receiving adequate coverage? Contact Stromsoe Insurance Agency for all of your California homeowners insurance needs. Allow us to increase the limits of your homeowners insurance policy to ensure you are receiving maximum protection.