If you're a homeowner, you worry about damage. After all, your home is an expensive asset you want to protect as much as possible. Here are some of the most common claims people make with homeowners insurance companies.

Unfortunately, there are many ways that your property can become damaged. You may suffer property damage if a reckless driver crashes onto your property. Maybe a tree has fallen on your home due to weather or illness. Thieves can damage doors and windows to break in and get access to valuables. When theft is included in property damage, these claims accounted for 92% of homeowners insurance claims in 2019, according to the Insurance Information Institute.

Solid plumbing is a must to keep any home functioning and comfortable. It can be devastating when you have cracks or holes in pipes, especially if it worsens and becomes a leaky or busted pipe. When these issues happen, homeowners must have the plumbing repaired while worrying about the resulting water damage, such as floods, that can happen due to bad plumbing.

If you live in an area with inclement weather, you may experience hail storms. When those blocks of ice fall from the sky, it can wreak havoc on your roofing. Now that it's hurricane season, homeowners in the Northeast or along coastal lines should be aware of the possible impact of hail. If your home has suffered a hailstorm, get your roof inspected immediately, as there may be underlying damage you're unaware of.

High-impact winds can rip shingles off of roofs. They can blow trees down onto your house or other parts of your property. When wind speeds get up to 100 mph, they can produce tons of damage within hundreds of miles. According to FEMA, wind damage is devastating because when it pushes against the home exterior, the force goes along the roof, to the exterior walls, and down to the foundation itself.

Now you know why homeowners insurance companies are important. With the right policy in place, you can get help with damage repair on your home and get reimbursed for any money you already spent. As fall and winter set in, more parts of the country will be experiencing various types of damage related to weather. If you have a question about your homeowners insurance policy or are looking for a new one, contact our team today at Wilcox & Reynolds Insurance for a consultation.