5 Common Home Insurance Claims…And How To Prevent Them

Homeowners insurance protects one of your biggest investments—but if you can avoid claims in the first place you won’t suffer the hassle of dealing with major damage to your home. 

Many of the most common claims are preventable with a little preparation and routine maintenance. By understanding where risks come from and how to reduce them, homeowners can protect their property, avoid disruptions, and potentially keep insurance costs down.

Here are five of the most frequent home insurance claims—and what you can do to prevent them.

1. Water Damage

Water damage is one of the leading causes of homeowners claims, especially in colder climates like New York. Frozen pipes, leaking appliances, and clogged gutters are common culprits.

Prevention Tips:

• Insulate pipes in unheated areas to prevent freezing in winter.
• Clean gutters regularly so melting snow and rainwater can drain properly.
• Check washing machine hoses, water heaters, and dishwashers for leaks.
• Know where your main water shutoff valve is located.
• Consider installing a water leak detection device.

A small leak can become a costly repair quickly, so early detection is key.

2. Fire and Smoke Damage

Home fires often result from cooking accidents, heating equipment, or electrical issues—especially during winter when heating systems run constantly.

Prevention Tips:

• Never leave cooking unattended, especially when frying.
• Keep space heaters at least three feet from flammable materials.
• Have your furnace, chimney, and fireplace inspected annually.
• Test smoke detectors monthly and replace batteries twice a year.
• Avoid overloading electrical outlets and extension cords.

Taking simple fire-safety precautions can save lives as well as property.

3. Theft and Burglary

Break-ins and theft claims often occur when homes appear unoccupied or poorly secured. Porch package theft has also become increasingly common.

Prevention Tips:

• Install motion-sensor lighting and secure all entry points.
• Use a home security system or video doorbell.
• Have a neighbor collect mail and packages when you’re away.
• Avoid posting travel plans publicly on social media.
• Keep an updated home inventory of valuable items.

Even basic security improvements can deter opportunistic thieves.

4. Wind and Storm Damage

High winds, heavy snow, and severe storms frequently cause roof, siding, and tree damage—especially during New York’s winter and early spring storm seasons.

Prevention Tips:

• Inspect your roof annually for loose or damaged shingles.
• Trim tree branches away from your home and power lines.
• Secure outdoor furniture, grills, and decorations before storms.
• Clean gutters to prevent ice dams and water backup.
• Check attic insulation and ventilation to reduce snow melt issues.

Proactive maintenance can help prevent major storm-related repairs.

5. Liability Claims

Liability claims often arise from slip-and-falls, dog bites, or accidents on your property. Winter ice, wet floors, and summer outdoor activities increase risks.

Prevention Tips:

• Keep walkways clear of snow, ice, and debris.
• Use salt or sand during winter storms.
• Repair loose railings, steps, and uneven pavement.
• Supervise pets and secure fencing.
• Add extra caution around pools, trampolines, and grills during summer.

Preventing injuries not only protects guests—it protects your financial future.

Stay Ahead of Risk at Scalzo, Zogby & Wittig, Inc.

Many homeowners insurance claims can be avoided with regular maintenance, seasonal preparation, and a little awareness. Taking steps now to prevent water damage, fire, theft, storm loss, and liability risks can help you avoid costly repairs and disruptions later.

It’s also a smart time to review your homeowners policy. Make sure your coverage limits reflect your home’s current value, and ask us about additional protections such as water backup coverage, personal umbrella insurance, or identity theft protection.

A little prevention today can save thousands tomorrow—and help keep your home safe year-round.

Until next time,

Your SZW Team

SZW Insurance is your Utica area Trusted Choice™ independent insurance agent. Call us for a quote on insurance for your home, car, business, or life at 315.792.0000. Or request a quote here.