The Top 5 Most Common Home Improvement Claims and How to Handle Them

Home improvement projects often arise from damage or the need for upgrades, and in many cases, insurance can help cover the costs. However, some claims are more common than others. Understanding these common claims and how to handle them can help you navigate the insurance process more smoothly. Here are the top 5 most common home improvement claims and tips on how to handle each one:

1. Roof Damage

Roof damage is one of the most frequent claims homeowners file with their insurance companies. Whether caused by storms, heavy winds, fallen trees, or other weather events, a damaged roof is a major concern that can lead to further problems like water leaks and structural damage.

How to Handle It:

• Document the Damage: Before making repairs, take detailed photos of the damage. This will serve as evidence when filing your claim.

• Call a Professional: Have a professional roofer assess the damage and provide an estimate. Insurance companies often require a licensed contractor’s report to process claims.

• File the Claim Promptly: Roof damage can worsen over time, so it’s important to file your claim as soon as possible. Be sure to review your insurance policy for any exclusions or limitations related to roof damage.

2. Water Damage

Water damage is another common home improvement claim, whether it’s due to a burst pipe, a backed-up sewer, or storm-related flooding. While homeowner’s insurance typically covers water damage from internal sources like pipes, it may not cover flood-related damage, which often requires separate flood insurance.

How to Handle It:

• Assess the Situation: If it’s safe, try to prevent further damage by turning off the water source and using towels or a wet vacuum to clean up standing water.

• Call a Water Damage Specialist: If the damage is extensive, a water damage restoration professional can help dry out the area and prevent mold.

• File the Claim: Report the damage immediately to your insurer, and keep records of your actions to mitigate the damage. If your insurance policy doesn’t cover flood damage, you may need to file a separate claim with your flood insurance provider if you have one.

3. Foundation Problems

Foundation issues are often discovered during home improvement projects or routine inspections. Cracks in the foundation can be caused by a variety of factors, including soil movement, water damage, or aging. Because foundation repairs can be expensive, homeowners often look to their insurance to help cover the cost.

How to Handle It:

• Document the Damage: Take photos of the cracks and any related damage, such as doors or windows that no longer close properly.

• Get a Professional Assessment: A structural engineer or foundation repair specialist can assess the damage and provide a report for your insurance company.

• Review Your Policy: Foundation repair claims are often denied unless the damage was caused by a covered peril, such as a burst pipe or a natural disaster. Be sure to check your policy’s coverage limits and exclusions before filing the claim.

4. Window and Door Damage

Windows and doors can sustain damage from weather events like hail, high winds, or falling objects. These damages can lead to energy inefficiency and security concerns, making it essential to get them repaired promptly.

How to Handle It:

• Secure the Area: If a window or door is broken, board up the area to prevent further damage or security risks.

• File a Claim Quickly: Window and door damage is often covered under homeowners insurance, but you need to file your claim quickly to prevent further damage.

• Get a Repair Estimate: Contact a licensed contractor to assess the damage and provide an estimate for repair. Be sure the estimate includes both the cost of materials and labor.

5. Storm Damage (Including Siding and Landscaping)

Severe storms can cause significant damage to the exterior of your home, including siding, fences, and landscaping. From hail to high winds, storm damage can affect both your home’s structure and its curb appeal.

How to Handle It:

• Document the Damage: Take pictures of any broken windows, damaged siding, fallen trees, or other storm-related damage.

• File the Claim: Report the damage to your insurance company as soon as possible. Be sure to mention any other damage, such as destroyed landscaping or debris removal.

• Hire Professionals: Depending on the extent of the damage, you may need to hire contractors to repair or replace the siding, windows, or fencing. Keep all receipts and documentation to support your claim.