Top 5 Home Insurance Claims & How to Prevent Them
Owning a home in Arizona comes with unique risks, from monsoon storms to extreme heat. While home insurance protects you financially, preventing common claims can save you time, stress, and money. Here are the top five home insurance claims in Arizona and what you can do to avoid them.
1. Water Damage from Plumbing Issues
Even in a dry climate like Arizona, water damage is one of the most frequent home insurance claims. Leaky pipes, broken water heaters, and slab leaks can lead to significant repairs. Many older homes in Arizona have aging plumbing systems that can corrode over time. Regularly inspecting pipes, checking for hidden leaks, and keeping an eye on your water heater can help prevent unexpected damage. Installing a leak detection system can also provide an extra layer of protection by alerting you to leaks before they become a major issue.
2. Roof Damage from Monsoon Storms
Arizona’s monsoon season, which runs from June through September, brings intense rain, high winds, and dust storms that can wreak havoc on roofs. Loose tiles, missing shingles, and clogged gutters can make homes more vulnerable to leaks and structural damage. Having your roof inspected annually, replacing any damaged areas, and ensuring your gutters are clear before monsoon season begins can help prevent costly repairs. Trimming trees around your home can also reduce the risk of branches falling on your roof during a storm.
3. Fire Damage
With Arizona’s extreme heat and dry conditions, fire damage is a serious concern. Wildfires can spread quickly, especially in desert and rural areas, while electrical fires and cooking accidents are also common causes of home damage. Creating a defensible space around your home by clearing dry vegetation can help reduce wildfire risk. Inside your home, checking electrical wiring, avoiding overloaded outlets, and ensuring smoke detectors are in working order can make a big difference in preventing fires. Having a fire extinguisher accessible and an emergency evacuation plan in place is also a smart precaution.
4. Theft & Burglary
Property crime is another common home insurance claim in Arizona, particularly in larger cities like Phoenix and Tucson. Burglaries often happen when homes appear vacant or lack security measures. Installing a security system, motion-sensor lighting, and reinforced locks can help deter thieves. Keeping doors and windows locked, even when you’re home, and being mindful of what you share on social media—like vacation plans—can also protect your property. Storing valuables in a secure safe can provide an added layer of security.
5. Wind & Hail Damage
Strong winds and occasional hailstorms can cause damage to roofs, siding, and outdoor structures. While these weather events aren’t as frequent in Arizona as in other parts of the country, they can still lead to costly repairs. To minimize damage, ensure your home’s windows and doors are reinforced with storm-resistant materials. Before a storm, secure or bring in patio furniture and outdoor decorations that could become projectiles in high winds. If you have a garage, keeping your car inside during storms can help protect it from hail damage.
While home insurance is essential, taking preventative steps can help you avoid costly claims and keep your Arizona home protected year-round. At Green Planet Insurance, we’re committed to helping you find the right coverage for your home. If you have questions about your policy or want to explore your options, give us a call today!
Green Planet Insurance specializes in custom home insurance solutions for homeowners and investors across Arizona. Founded in 2020 and headquartered in Sun City West, Green Planet Insurance utilizes cutting-edge technology to provide a wide array of carrier options tailored to meet individual needs.
As an independent insurance brokerage, Green Planet Insurance is at the forefront of the industry, delivering personalized insurance strategies through innovative processes. We simplify the insurance experience by offering multiple carrier choices such as Progressive, Travelers, Safeco, HIPPO, and more.
Our dedicated team, with over 50 years of collective expertise, is committed to assisting clients with home insurance plans. Rapidly growing, Green Planet Insurance invites you to reach out to our caring professionals for a customized quote designed specifically for your home insurance needs. Contact our office today! (602) 368-2124 www.greenplanetinsurance.com