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If you’ve never had to file an insurance claim, consider yourself lucky. Home insurance claims can be complex and tedious to file, especially if it’s your first time. Today’s blog post discusses the most common types of home insurance claims and shares ways to prevent having to file them in the first place.



Non-Weather-Related Water Damage

When you think of home insurance claims, you probably think about natural disasters such as heavy storms and strong gales. And you’d be right to think so! However, one of the most common types of home insurance claims comes from non-weather-related water damage. This includes, but is not limited to, accidental and sudden instances such as a pipe bursting or sewer malfunction. 

Weather-Related Water Damage

Weather-related water damage accounts for 11% of all homeowners’ insurance claims. Extreme weather can cause roof damage, torn siding, missing shingles, and frozen pipes. However, flooding is not covered by home insurance as there’s a separate insurance policy for that.


Fire can become extremely destructive in a short amount of time, which is why it is one of the most common and most expensive types of home insurance claims to file. While not all accidents can be avoided, there are ways to reduce the risk of a fire in your home. For one, you can make sure to always clean out your gutters because the leaves can act as kindling. 

Not a fan of cleaning your gutters? Gutter Helmet of Cookeville has the ultimate solution to your problem with our innovative gutter protection system. We serve Cookeville, TN. Call us today at (866) 985-9982 or visit our website to find out how to clean your gutters with gutter guards.