{"id":8286,"date":"2022-06-13T06:19:00","date_gmt":"2022-06-13T06:19:00","guid":{"rendered":"https:\/\/301webdemo.com\/oegema\/?p=8286"},"modified":"2026-02-06T04:54:28","modified_gmt":"2026-02-06T04:54:28","slug":"what-are-the-most-common-homeowner-insurance-claims","status":"publish","type":"post","link":"https:\/\/www.ona.ca\/blog\/what-are-the-most-common-homeowner-insurance-claims\/","title":{"rendered":"What Are the Most Common Homeowner Insurance Claims?"},"content":{"rendered":"\t\t
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While nobody wishes to file a home insurance claim, accidents do happen, and sometimes they are unavoidable. That\u2019s why\u00a0home insurance<\/a>\u00a0is crucial if you want to protect your most significant investment, personal belongings, and financial well-being. When people consider homeowner insurance claims, they often think of major disasters such as wildfires or floods. However, the reality is that some of the most common reasons for claims can be prevented by proactive attention. According to data from the Insurance Information Institute, here are some of the most common types of homeowner insurance claims.<\/p>

Wind and Hail Damage<\/b><\/h2>

This category includes damages caused by hurricanes, tornados, and strong winds from thunderstorms. Unfortunately, these natural perils are challenging to predict and cannot be prevented. While wind and hail damage claims are the most common (making up nearly 40% of all insurance claims), they are not the most costly claims on average.<\/p>

Fire and Lightning Damage<\/b><\/h2>

Fire and lightning damage is the most costly homeowner insurance claims and the most common claims. Whether started by lightning, electrical faults, or another source, fires can cause extensive damage to any property quickly, hence the high cost of claims. While there\u2019s nothing much you can do to prevent a lightning fire, you may avoid other types of fires if you take the necessary preventative steps. For example, chimney and fireplace fires are often caused by a dirty or blocked chimney. To ensure that sitting in front of the family hearth is a relaxing rather than dangerous activity, implement all fire safety best practices and maintain a regular chimney cleaning schedule. Electrical fires are also a common yet preventable insurance claim. Here are some things you can do to help avoid an electrical fire:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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