Most homeowners will have to file at least one insurance claim in their lifetimes, if not, many more than that. In fact, an estimated 6% of Americans who own a home file an insurance claim each year.

Just as insurance coverage varies from homeowner to homeowner, so do the reasons they need to file insurance claims. However, we have seen some claims rise to the top as the most common insurance coverage needs for the homeowners we work with and homeowners across America.

Knowing these top home insurance claims in Springfield, Ohio can help inform what types of insurance you may benefit from having. If you’re wondering whether or not you’re covered for these common claims or need to update your home insurance today, contact our team at Link-Hellmuth.

Are you covered for these 5 most common home insurance claims?

1. Wind & hail Damage
   It is estimated that 45.5% of home insurance claims are regarding wind and hail damage. Wind and hail damage is most commonly caused by tornadoes, severe storms, or hurricanes. When these weather events pass through your town, it’s likely the amount of damage caused will be well worth filing an insurance claim as siding, window, and roof repair can get pricey.
2. Fire and lightning damage
   Coming in second with 23.8 % of home insurance claims is fire and lighting or electrical damage. While it is the second most common claim it is in first place as the most expensive home insurance claim. The average total of a fire damage insurance claim is $77,340, Yikes! Good thing you’re covered!
3. Water Damage & Freezing
   Water damage takes up 19.9% of home insurance claims in the United States. The causes of water damage can vary greatly from freezing or bursting pipes to leaking appliances,
4. All other property damage
   The 5th most common home insurance claim revolves around other miscellaneous causes of property damages. This can include falling trees, a baseball through your window, or a delivery truck backing into your garage. When these random freak accidents happen, home insurance is there to cover you.

Home Insurance in Springfield Ohio

Now you may be wondering, am I covered for all these common home insurance claims? To make sure you have adequate home insurance coverage check in with your home insurance agent. A few additional claims that didn’t make the list but may be beneficial to have coverage for include:

• Bodily injury
• Theft
• Medical payments

At Link-Hellmuth Insurance, we want to help homeowners mitigate their risk with proper home insurance coverage. To learn more about how you can do this at an affordable price, contact us today.