12 Dec 2019
holiday present

Avoid these common homeowners insurance claims.

While the holidays are all about fun and togetherness, they are also a time of risk.  Every year, the holiday season sees an increase in certain types of home insurance claims.  If you want to avoid filing a claim this year, then watch out for these risks.

  • Damaged Roofs

Many homeowners like the decorate the outside of their homes in preparation for the holiday season.  However, one wrong step could send shingles raining down.  Many homeowners also accidentally knock down sections of their gutter, damage their chimney, and put holes in their roofs during the decoration process.

  • Guest Injuries

Many homeowners also end up filing claims for guest injuries during the holiday season.  Whether someone falls off the roof while helping put up lights or a party guests gets a little too intoxicated and ends up hurting themselves, personal injury claims go up during the month of December.

  • Fires

During the holiday season, many homeowners light up candles or get a fire going in their fireplaces to create a cozy vibe.  Unfortunately, many homeowners forget to snuff out their candles or accidentally leave fires burning after they go to bed.  This can often lead to nearby items igniting and a fire spreading throughout the home.  As such, many homeowners are forced to file insurance claims to address the fire damage.

These are some of the most common homeowners insurance claims during the holiday season.  Do you have questions about your home coverage?  If so, then contact the experts at Patterson & Associates in Richardson, Texas.  Our dedicated team is eager to assist you with all your home insurance needs today.