LOS ANGELES-Homeowners insurance becomes a crucial topic of discussion during natural disasters, highlighting the significance of having sufficient coverage to rebuild after a calamity strikes. According to the National Oceanic and Atmospheric Administration, the United States experienced 18 billion-dollar disaster events in 2022 alone, causing a staggering $171.5 billion in damages.

While most Americans may not face large-scale natural catastrophes, numerous homeowners encounter property losses each year, leading to insurance claims. Interestingly, the most frequently reported claims are not solely caused by natural disasters, but rather events that can happen at any time. Therefore, it is vital for homeowners to be prepared for these potential risks.

Water damage claims are the most prevalent among homeowners. Bonnie Lee, Vice President of Property Claims at Mercury Insurance, emphasizes the occurrence of water-related incidents throughout the year. Regular maintenance of appliance hoses and water pipes is crucial to detect and repair any cracks or leaks promptly. Moreover, homeowners should consider turning off their main water supply when away for an extended period to prevent potential leaks.

Implementing smart home technology can provide an additional layer of protection. With features like 24/7 monitoring and water pressure sensors, homeowners can detect leaks and automatically shut off the main water supply when a burst pipe or leak is detected. Insurance companies, such as Mercury Insurance, often offer discounts for homes equipped with this technology.

While water damage claims take the lead, homeowners should also be concerned about fire damage. The National Fire Protection Association reported a significant number of fires in 2021, resulting in substantial property damage. Homeowners can take preventative measures by avoiding leaving lit stoves, fireplaces, candles, or portable heat sources unattended. Overloading electrical outlets and using appliances with frayed cords should also be avoided. Mitigating the risk of wildfires involves keeping yards clear of dry brush, maintaining trimmed tree branches and pruned bushes, and regularly clearing roofs and gutters of debris.

Although theft does not directly harm the physical structure of a home, it can be a costly and emotionally distressing experience for homeowners. Implementing basic precautions such as locking doors and windows and avoiding leaving spare keys in obvious places can help deter potential thieves. Smart home devices also play a role in enhancing security, allowing homeowners to monitor cameras, adjust lights, and activate security systems remotely through their smartphones.

Bonnie Lee emphasizes that the goal of the claims team at Mercury Insurance is to assist customers in recovering after a loss. However, their ultimate hope is that homeowners never have to go through such events. By understanding the common types of claims and taking preventive measures, homeowners can protect their homes and restore normalcy as quickly as possible.