Written by Andy Gurczak

September 27, 2021

Most Common Home Insurance Claims

As a responsible homeowner, you probably try your hardest to keep your home in good order. But unfortunately, things can sometimes go wrong. For instance, a major storm could roll through and destroy your roof, or a wildfire could burn down your new home addition. These are just a few of the situations that might lead to a home insurance claim. However, some insurance claim causes are more common than others. In this article, we have compiled a list of some of the most common home insurance claims so you can proactively protect your property.

Most Common Home Insurance Claims Damaged Home

So, What Are the Most Common Home Insurance Claims?

First, weather incidents account for more than half of all homeowners insurance claims. Weather can cause a wide range of damage, such as wind damage, frozen pipes, ice dams, roof bursting and leaks.

Meanwhile, fire-related claims are the most expensive. Whichever the case, the most common home insurance claims typically fall into one of the following categories. We’ll go into detail later on throughout this article.

  • Exterior wind damage
  • Non-weather-related water damage.
  • Hail.
  • Weather-related water damage.
  • Theft.
  • Other

Regional Differences

Nevertheless, the leading cause of claims differs depending on where customers live. For example, in the Northeast, the wind is the most common cause of claims. In addition, snow and ice roof damage was also a common claim throughout the region. Moreover, fire is the costliest source of claims for homeowners in this area.

In the South, wind is the most common cause of home claims, and hail is the most expensive. Meanwhile, in the West, wind and hail are the most common reason for a homeowners insurance claim. It is also the costliest damage. Midwestern homeowners also saw repeated problems caused by sewer or sump pump backups.

Most Common Home Insurance Claims

Most Common Home Insurance Claims: Wind and Hail Damage


As mentioned before, wind damage is one of the most common causes of home insurance claims. Fortunately, standard dwelling insurance covers wind claims. And suppose you have to temporarily move out. In that case, your Additional Living Expenses clause will provide reimbursement for hotel, transportation, and food costs.

However, wind damage that is caused by a hurricane or windstorm is slightly different. In states where tropical storms are common, many insurance companies have a windstorm deductible.


When it comes to hail damage, claims cost are covered by standard homeowners insurance, regardless of what type of policy you have. To illustrate, the terms and condition of your standard homeowners insurance would cover personal property destroyed by a hail storm.

Unfortunately, there aren’t many ways to protect your house from a hail storm other than choosing roofing materials that are more resilient to hail. But if you know that a storm is coming, it’s essential to take precautions.

For instance, ensure you store your vehicles into a garage or carport, tie down any loose items outside, and store easy-to-move items inside. Also, before the storm hits, be sure to take lots of pictures of your roof and home exterior. This way, you can establish its condition before any hail loss.

Despite wind and hail accounting for more than a third of all homeowners insurance claims, they’re not the most expensive. So at least you can have some peace of mind when it comes to this type of damage.

Most Common Home Insurance Claims Wind and Hail Damage

Most Common Home Insurance Claims: Fire and Lightning Damage

Damage from fire and lightning ranks second at the most common home insurance claims. But unfortunately, they account for the most expensive claims, according to the Insurance Information Institute.

Fires are a real threat to millions of homes, and a single fire could quickly destroy your entire house and the belongings inside. Therefore, it’s very important to make sure you have the right type of coverage. For example, you could ensure you have the correct replacement cost on your home so you can cover the full cost of a rebuild if you had to.

With this in mind, remember your replacement cost is not always the equivalent of your home’s purchase price or what it’s worth. Furthermore, ensure that your contents coverage is accurate by using a home inventory that indicates your personal items’ worth.

Standard homeowners insurance was originally designed to protect against fires, so the good news is that coverage for fire claims is easy to find.

Most Common Home Insurance Claims: Water Damage

Water damage is another commonly occurring and costly claim. And not to mention there are tons of ways to end up with it. For example, water damage can result from rain or snowmelt, leaking or burst pipes, overflowing sinks, toilets, or bathtubs, burst appliances like dishwashers or washing machines, and leaking roofs.

Unfortunately, insurance only covers water damage if something in your home is responsible for the damage. Therefore, this means that standard home insurance does not cover water damage from floods. In fact, most insurance policies never cover natural flooding. In order to be covered for natural flooding, you must buy a flood policy from the National Flood Insurance Program.

Most Common Home Insurance Claims Water Damage

Most Common Home Insurance Claims: Break-ins and Theft

Theft and break-ins account for six percent of insurance claims. However, the average cost of these claims isn’t too high. And most standard home insurance policies cover theft claims. Of course, as long as it wasn’t due to negligence, like leaving the front door unlocked.

Most burglars take personal items, which your property coverage can replace. If a thief breaks into your home and causes damage in the process, like a broken window, your dwelling insurance will cover the cost of repairs.

If you’d like to reduce your risk of theft even further, consider installing a home security system. Some insurers even offer premium discounts for doing this!

Most Common Home Insurance Claims: Liability

Although liability is on this list, it is still the rarest of common home insurance claims. Regardless, liability claims tend to be very expensive. As a refresher, liability refers to your duty toward other people.

So if a guest suffers bodily injury or has their property damaged while visiting your home, you may have a liability insurance claim. Thankfully, most homeowners insurance policies offer liability protection.

Most Common Home Insurance Claims Security

Mitigate Your Risk to Avoid Any of These Most Most Common Insurance Claims

The best way to avoid filing any of these common claims is to reduce risks. In fact, a lot of insurance companies offer lower premiums for responsible homeowners. Risk mitigation might involve:

  • Having a smoke alarm with working batteries.
  • Having a fire extinguisher.
  • Installing a home security system.
  • Maintaining plumbing and sprinkler systems.
  • Using hurricane-proof doors and windows if you live in a high-risk weather area.
free claim review

Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

public adjusting call support

Real Support When You Need It!

How to Handle a Commercial Large Loss Restoration

If water, fire or a storm has severely damaged your business, you need help. Dealing with a large-scale catastrophe by yourself is not the way to go. Filing a commercial large loss restoration claim will take time, effort and patience.
Therefore, you should hire a public adjuster so that your insurance company pays you every dollar to which you are entitled.
You will also need a restoration company to immediately respond to your business. In fact, most good ones are available 24 hours a day, seven days a week. In addition, they will make an emergency response to begin the restoration process.
There are several procedures restoration services companies go through when responding to a commercial property damage incident.

Problems Homeowners Have After Filing an Insurance Claim

Problems Homeowners Have After Filing an Insurance Claim

Unfortunately, fires, hurricanes, or other natural disasters can do serious damage to a home. Certainly, most people have homeowners’ insurance in case of property damage. Of course, they will file an insurance claim under their home insurance policy. However, often there are problems homeowners have after filing an insurance claim.

Fire Damage Insurance Claim Is Denied

Fire Damage Insurance Claim Is Denied

Of course, having a fire in your home can be terrifying for the homeowners and their families. The amount of damage to the property insured, personal property lost and the seeing soot, smoke, and burned walls will traumatize the entire family. Certainly, as the property owner, you will file a fire insurance claim with your homeowners’ insurance company. However, what do you do if all or part of your fire damage insurance claim is denied?

Deal with Home Insurance Claim Adjusters

If a storm, fire or other natural disaster damages your home, you first want to make sure everyone in your family is safe. After that, you will survey the damage. If it is more than very minor, you will probably file a homeowners’ insurance claim. Therefore, it will be helpful to know how to deal with a home insurance claims adjuster.You should file an insurance claim as soon as possible to start the claims process. Certainly, the sooner you file a claim, the sooner you can get your insurance settlement.After you file a claim, an adjuster working for the insurance company will come to inspect the damage to your home. Insurance claim adjusters may work directly for the insurance company. Or they may be independent adjusters.However, don’t be fooled. Independent adjusters only work for insurance companies as independent contractors.As such, they are looking to settle your claim quickly and cheaply. Insurance companies are not in the business of simply paying money to insureds. Consequently, company and independent adjusters know that and act accordingly. The insurance adjuster evaluates your property, collects evidence on the extent of the damage and rules on your claim.

Understanding the Insurance Claims Process

Understanding the Insurance Claims Process

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

Estimating Fire Damage and Restoration Costs

Estimating Fire Damage and Restoration Costs

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now