Top causes of property damage claims in the US

Most Common & Most Expensive Causes of Property Damage - Deeley Insurance  Group

Home insurance is extremely important in a country with many natural disasters. Insure your home and assets today to prevent any losses.

If you live in America, chances are that you live in a state that experiences natural disasters every few years. From floods and tornadoes to fires and theft, insuring your home and belongings is vital. Insurance online reviews are a great tool to use when deciding which insurance company is the best for your home insurance needs. Insure your house today and have peace of mind that you are financially protected should you experience any losses. 

What are the top 5 home insurance property claims in America?

While we cannot prepare for an unforeseen natural disaster, we can prepare for the economic impact damage to our homes and belongings. Here we assess the top 5 causes of property damage claims in the US.

#1: Wind and hail

America is exposed to hailstorms, hurricanes, and tornadoes regularly. These forces of nature are the most common damages people claim from their insurance companies. To protect the lives of your family, always be aware of storm warnings and prepare your home as best as possible to reduce the damage that may happen because of one of these phenomena. 

#2: Water damage and freezing

With temperatures in winter plummeting to below freezing, there are many cases of pipes bursting from the frozen water inside of them. One way you can avoid this is to insulate your pipes and check them regularly before Winter sets in. Thankfully, home insurance policies can cover water damage from ice storms and flooding

#3: Fire and lightning

While these are not as common, there are still a fair number of claims for fire damage resulting from kitchen grease fires and electrical fires in homes across America. These can cause extensive loss and are covered by your home insurance company.

#4: Theft

Sadly, today, theft is on the rise around the globe. In 2010, the FBI estimated that 74% of the 2.2 million burglaries reported to police in America took place in the suburbs. While you can never prevent your house from being broken into, there are certain measures you can put in place to reduce the risk. Alarms, burglar guards, high walls, and electric fencing are effective measures of keeping robbers out. 

#5: Other

There are various other reasons that people claim property damages from their home insurance providers. One of the main reasons is vandalism. You would think that it is easy to respect someone else’s property, but with the number of claims coming in for vandalism, it seems it is difficult after all. These losses and damages are covered by standard home insurance.


When looking for the best home insurance possible, assess your insurance needs, do your research on the home insurance options, and select the one that suits your needs and your budget best. Read online reviews and chat with friends and family about the best insurance companies based on their experiences.