Common Home Insurance Claims Filed During the Holidays

Be wary of these common home insurance claim events this holiday season.

With the holidays right around the corner, the last thing you want to deal with is a time-consuming home insurance claim.  Unfortunately for homeowners, the risk for certain perils increases during this time of year.  Watch out for these common home insurance claim events this holiday season.

  • Roof Damage

Many homeowners like the decorate the outside of their homes in preparation for the holiday season.  However, one wrong step could send shingles raining down.  Many homeowners also accidentally knock down sections of their gutter, damage their chimney, or put holes in their roofs during the decoration process.

  • Guest Injuries

Many homeowners also end up filing claims for guest injuries during the holiday season.  Whether someone falls off the roof while helping put up lights or a party guest gets a little too intoxicated and ends up hurting themselves, personal injury claims go up during the month of December.

  • Fires

During the holiday season, many homeowners light up candles or get a fire going in their fireplaces to create a cozy vibe.  Unfortunately, many homeowners forget to snuff out their candles or accidentally leave fires burning after they go to bed.  This can lead to nearby items igniting and a fire spreading throughout the home.  As such, many homeowners are forced to file insurance claims to address the fire damage.

  • Break-Ins

Many people travel to their relatives’ homes during the holidays.  Because they know that no one is home, burglars will break-in and steal presents, household items, and cause damage.  During the month of December, there is a higher rate of insurance claims filed to address the damages and losses sustained during a home break-in.

Watch out for these common home insurance claim events this holiday season.  Do you have more questions about your homeowners insurance this December?  If so, then contact the experts at Mike Leonard Insurance Agency for assistance.  Our dedicated team is eager to find you the right coverage from one of our many carriers, including: Kemper, MetLife, Nationwide, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.