The Most Common Home Insurance Claims in North Carolina

While every claim is different, some claims are among the most common home insurance claims in North Carolina. Since North Carolina is part of the Southern region of the country, the most common home insurance claims in North Carolina have to do with wind damage. That fact is probably not much of a surprise to the state’s coastal residents.

Here we will examine the most common home insurance claims in North Carolina as well as a few steps you can take to make sure your home is adequately protected.

The Most Common Home Insurance Claims in North Carolina-florida public adjuster-bulldog adjusters-miami public adjuster

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Windstorm: Most common home insurance claims in North Carolina

It’s the start of a new year, and many homeowners are breathing a sigh of relief that 2018 is officially over. Homeowners in North Carolina are happier than most to leave 2018 behind them as the state experienced catastrophic flooding and wind damage this past hurricane season.

Windstorm damage includes damages caused by a hurricane, named storms and tornadoes. Windstorm damage is on the of the most common home insurance claims in North Carolina because windstorms can be very destructive. Most homeowners with wind damage will have to file home insurance claims for repairs. Therefore, wind damage is one of the most common home insurance claims in North Carolina.

Tropical storms and hurricanes can also travel inland from the coast, so even the state’s interior regions have a risk. Make sure your home is protected with proper wind insurance.

Uninsured Flood: Most common home insurance claims in North Carolina

Hurricane Florence rolled into North Carolina as a Category 1 hurricane in September last year. Despite the destruction, wind wasn’t the most common home insurance claims in North Carolina from Florence. The reason is Florence was a widespread flooding event for the area. Sadly, most of those affected by the flooding were uninsured.

The uninsured flood losses from the catastrophe were estimated to reach nearly $20 billion. Since most homeowner policies exclude flood coverage, the area’s most common home insurance companies were mostly unaffected by the catastrophe.

Flood damage is quickly becoming one the of the most common home insurance claims in North Carolina. The problem is that most home insurance policies don’t include flood coverage. Flood coverage must be purchased separately from the federal government’s National Flood Insurance Program or a private flood insurer.

Non-weather related water damage: Most common home insurance claims In North Carolina

Water damage claims are among the costliest type of claim and the most common home insurance claims in North Carolina. Non-weather related water damage can result from a variety of causes. Plumbing leaks, burst pipes and any other sudden and accidental discharge of water can result in a water damage claim.

Water damage claims can be particularly costly because they are often unnoticed and can cause a lot of damage. To protect yourself from one of the most common home insurance claims in North Carolina, be aware of the signs of water damage.

Signs of water damage can include warping floors or walls, discoloration or staining, and mold. Thumping or hissing sounds from the walls can be indicative of a pipe leak. 

Fire claims: One of the most common home insurance claims in North Carolina

Fire damage claims can be very costly and are among the most common home insurance claims in North Carolina. The earliest home insurance policies were meant to protect homes exclusively from fire losses, and most home insurance policies contain this coverage still. Fire claims can be costly and time-consuming to settle. While they may not be the most common home insurance claims in North Carolina, they are high-cost claims. 

Miscellaneous property damage: among the most common home insurance claims in North Carolina

Miscellaneous property damage is among the most common home insurance claims in North Carolina. Miscellaneous property damage can include a variety of home damages including:

  • Roof damage from a tree limb falling onto a roof
  • A baseball that shatters a window
  • A utility truck accidentally backs into your shrubs

Those are just a few examples of property damage claims that may be covered under your home insurance. With claims such as these, it’s best to check your policy for coverage or exclusions. Also, be aware of your deductible. Some property damage claims may cost less than your deductible to repair.

Liability claims: Common home insurance claims in North Carolina

Liability claims may not be the most common home insurance claims in North Carolina, but they can and do happen. Liability claims also deserve some mention because many homeowners don’t even realize they have liability coverage built into their homeowner policy. Liability claims are also costly and expensive to settle.

As a reminder, liability insurance protects you if you are being held responsible for someone’s injuries or their property damage.

Theft and the most common home insurance claims in North Carolina

Theft claims are particularly difficult for homeowners because there is a violation. Theft claims are among the most common home insurance claims in North Carolina, but they happen across the country. Most homeowner policies include some coverage for theft, but there may be exclusions or special sub-limits on the highly valuable property such as fine art or jewelry. As always, it’s best to talk to an insurance professional to make sure you have proper coverage in place for your valuables.

Staying safe from the most common home insurance claims in North Carolina

At some point or another, most homeowners will have to file a claim. However, there are some ways you can avoid having one of the most common home insurance claims in North Carolina. Here are a few pointers that may lessen your claim risk and may even earn you a discount on your home insurance:

  • Installing a monitored anti-theft and fire alarm
  • Living near a fire department
  • Living near a fire hydrant
  • Installing a home security system
  • Installing carbon monoxide detectors
  • Having certain wind resistant construction features

Being aware of the most common home insurance claims in North Carolina is a good step toward protecting your home and property. If you have some damage to your home and are thinking about filing a claim, contact Bulldog Adjusters for a free inspection.

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