Watch out for these common holiday insurance claims.
While you may be looking forward to a fun and festive holiday season, it’s important to remember that you still face risks as a homeowner. In fact, there are several types of insurance claims that are more common during the month of December than any other month of the year. If you do not want to ruin the holiday spirit with an annoying home insurance claim, then here are some of the perils you need to look out for this month.
- Damaged Ceilings
Every year, people venture up into their attics to retrieve their holiday decorations. Unfortunately, many people step between the joints in their attic, and have their feet go straight through the ceiling of the room below. As a result, many homeowners file a claim to have this damage repaired.
- 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.
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.
There are more theft claims in December than during any other month of the year. This is because many burglars wait for the holiday season because they know there is a greater chance of expensive gifts being in the home. Sadly, instead of waking up to a pile of presents under the tree, many homeowners wake up to a ransacked home instead.
These are some of the most common types of home insurance claims that are filed during the holiday season. Do you have more questions about your homeowners insurance this December? If so, then contact the experts at Gant Insurance Agency for assistance today.