The holiday season is a time for joy and festivities, however, it is also a season where homeowner insurance claims tend to increase. To help you enjoy a stress-free holiday period, we have compiled a list of common homeowner insurance claims to steer clear of during this holiday season and beyond.
Fire-Related Incidents
One of the most common homeowner insurance claims during the holidays is related to fire accidents. Many of these fires occur due to overloaded electrical outlets, faulty wiring, or the improper use of candles and decorative lights. To avoid fire-related incidents, make sure your holiday decorations are in good working order, unplug lights when you're not home, and never leave candles unattended.
Burglaries and Theft
Christmas gift-giving attracts burglars and thieves. To minimise the risk of break-ins, consider improving your home security. Install motion-activated lights, invest in a security system, and avoid showcasing expensive gifts through open windows or on social media.
Water Damage
Water damage claims are another common occurrence during the holiday season. Burst pipes, leaky roofs, or overflowing sinks can lead to costly repairs. Inspect your pipes, check for any water damage, or roof damage, and make sure you turn off your taps properly to avoid water damage.
Cooking Mishaps
Holiday feasts are a highlight of the season, but they can also lead to kitchen accidents. Kitchen fires, burns, and spills can cause damage to your home and are also a danger to your loved ones. Stay attentive in the kitchen, keep a fire extinguisher handy, and be cautious when using hot appliances.
Christmas Tree Disasters
Real or artificial, Christmas trees can pose a risk. Real trees can become fire hazards if not properly watered, while artificial ones can cause accidents if they're not secured properly. Keep your tree well-watered, avoid overloading it with lights, and ensure it's stable and safe.
Weather Related Damage
Depending on your location in Australia, Summer usually brings severe weather conditions such as hailstorms and heavy rains. These can result in roof damage, flooding, or fallen trees. Be prepared by inspecting your home's exterior, cleaning gutters, and trimming branches that might pose a threat during storms.
This holiday season, protect your home and loved ones by avoiding common homeowner insurance claims. By taking preventive measures, staying vigilant, and prioritising safety, you can reduce the risk of accidents and damage during Christmas and beyond.
