What Is the Most Common Cause of Homeowners Insurance Claims?

Water damage tops the list for homeowners insurance claims because it can come from many sources. A burst pipe, a leaking washing machine hose, or a worn roof can all create significant damage. Even a small, hidden leak can ruin drywall, flooring, and personal belongings over time.

The mild marine climate with wet winters and dry summers means homes in places like Kirkland face extra moisture challenges. Rainy seasons can stress roofs and foundations, while dry spells can shift soil and crack pipes. Homeowners often notice the damage only after it has spread, making the claim larger and more complex.

The first step is to stop the water source if you can do so safely. Turn off the main water valve or unplug the appliance. Then, remove any standing water with a mop or wet vacuum, and move valuable items to a dry area. Open windows or use fans to help the space dry.

Document the damage with photos and notes before cleaning up. Contact your insurance company to start the claims process, and check your policy for coverage details. Policies vary, and your insurer decides what is covered. Keep receipts for any supplies you buy, as they may be relevant to your claim.

Regular maintenance can prevent many common water damage claims. Inspect your roof twice a year, clean gutters in the fall and spring, and check appliance hoses for cracks or bulges. Replace old washing machine hoses every few years, and know where your main water shutoff valve is located.

If you live in Kirkland, keep your shutoff valve location written down and share it with everyone in your household. Install a water leak detector near your water heater and appliances to catch problems early. These simple steps can save you from costly repairs and stressful insurance claims down the road.