The Most Common Homeowners Insurance Claims in Florida

The Most Common Homeowners Insurance Claims in Florida


The Most Common Homeowners Insurance Claims in Florida

The Most Common Homeowners Insurance Claims in FloridaIn the state of Florida, there are certain types of claims that are much more frequent than other claims. Understanding common insurance claims can help you to see what items on your insurance coverage are going to be crucial for your home in the future. Here are some of the most common homeowners Insurance Claims in Florida.

Hail And Wind Damage

1 in 40 insured homes that submit a property damage claim has a claim that’s related to wind or hail damage. The average claim for wind or hail damage is usually around $11,000, and as Florida suffers some of the largest concentrations of thunderstorms in the United States, this could be important coverage for your home. 

Water Damage

One in 50 homeowners that submits a property damage claim submits a claim for water damage. Water damage insurance claims often come from a number of different sources including leaky plumbing, storm damage, burst pipes, rain, and more. It’s important to know what type of water damage coverage you have on your policy. 

Fire And Lightning

Fire and lightning damage is far less frequent in the scale of claims, but the damage of the average claim is often around $80,000. Fire and lightning are often random events, and they can cause serious structural damage to a home. This could pose a massive financial impact on a homeowner without insurance. 

Break-ins And Theft

Theft and break-ins can occur even in extremely safe neighborhoods. The damage for break-ins and theft go beyond missing items and this can involve fixing up areas where the home was breached replacement value on items that were tossed in the effort to look for valuables, and more. 

Liability Claims

Having liability coverage on your property can include insurance coverage for backyard accidents, slip and falls, dog bites, or incidental damage that occurs like a car crashing into your home. 

These are just a few of the most common forms of homeowners insurance claims in Florida and some essential items that you should consider as part of your coverage. Contact us today to learn more!