Your home insurance agent documents and analyzes claims to help identify what seasonal hazards may be causing them. This will lead to understanding how to avoid them. It is up to you to keep your property safe and lower your risk of property liability. You are responsible for handling hazardous conditions and the risks that increase during certain times of the year. Be sure to protect yourself with adequate insurance coverage. Here are the most common claims filed in Autumn.
Home Theft
With the significant amount of theft and vandalism claims filed in Autumn on an annual basis, it can be concluded that thieves take advantage of the fact that many homes are left unoccupied with lots of gifts during the holidays. They often view this as a perfect opportunity to make their move. Breaks-ins cause severe loss and are not something to take lightly. You can help deter thieves by using a timer for indoor lights and motion detectors for outdoor lights. Consider installing an updated security system to notify you remotely if an intrusion has occurred, if vehicles are approaching your home, and have the ability to lock doors automatically. If a security system is out of your budget, a smart doorbell can be used for its security camera to screen and interact with those who come up to it when no one is home.
Fire Damage
What about property losses from fires during Autumn time? This is something that cannot be ignored. This is a known obvious issue because we can see the massive spike in Autumn insurance claims involving smoke damage in homes. It is well worth your time to check out your chimney every year and do routine thorough cleaning. The more it is used, the more often it should be cleaned. Before your fireplace’s first use of the season, always double-check that the flue is open.
Also, candles are widely used during this time, so we must remain extremely cautious; by keeping children, pets, and any flammable material away. Decor positioning and overloaded electrical outlets are things to pay close attention to.
Water Damage
Freezing pipes and water damage claims are all too common. In fact, water damage is the most common type of loss that is reported. Pipes can easily burst when they become frozen over from the dip in outdoor temperature. Do what you can to prevent this from being the reason you make a claim. Homeowners can decrease the likelihood of water damage in their homes by hiring a plumber to do a comprehensive inspection. Ensure the main water valve is turned off when you go on a trip and install active leak detectors that can shut off the water source when there are any slip-ups or mishaps. Mistakes and hazards are impossible to avoid altogether, which is why it is so important to protect yourself financially.
About Sine Insurance
At Sine Insurance Group, we are dedicated to providing you with custom-tailored insurance policies to protect your assets. Our comprehensive packages have been expertly crafted to serve St. Louis and the surrounding areas for the past 25 years. For more information about our products, contact us today at (855) 700-0889.