House insurance is there to provide financial protection when you need it most. In fact, according to Value Penguin, about 85% of homeowners nationwide have homeowners insurance. Several situations call for filing a house insurance claim, so here are the most common reasons people file a claim.

1. Natural Disaster Damage

Many house insurance policies cover damage from natural disasters. This may include flood damage and restoration services or even coverage for tornado and hurricane damage. Your roof may get hail damage, or a tree limb may fall on your house. You never know when a natural disaster will occur, so it's best to ensure your policy covers natural disasters in your area.

2. Fire Damage

Many homeowners opt for house insurance that also covers accidents like fires. Fires can cause a significant amount of damage; some houses may need complete remodeling after a fire. This requires extensive work from various contractors to ensure the place is safe for a family to live in. Some insurance policies will cover the cost of these repairs.

3. Property Theft

Break-ins and theft are other common reasons to file a claim. Theft usually includes high-ticket items, like gaming consoles, televisions, and large appliances. In serious situations, homeowners will have to pay thousands of dollars to replace everything that was stolen. Homeowners insurance can help compensate for stolen items so your family can get back to enjoying life.

4. Water Damage

Water damage can result from various situations. Pipes may burst in the winter and flood the entire house. Alternatively, a leaky pipe may slowly worsen, damaging a whole wall or ceiling. Floods cause a lot of water damage and are costly to repair, too. Most homeowners must hire mold remediation services to ensure their house is safe to live in.

Filing a house insurance claim is a great way to ensure your home is repaired correctly. In many cases, securing the funds to fix your home is necessary. However, it’s essential to know what your insurance policy covers. That's why our independent, family-owned insurance agency is here to help you! Our experienced and reliable team members at Barrows Insurance Agency, Inc are available to assist your family in Norton, MA to ensure you get all the coverage you need. Contact us today to get started.