Joshua Galyon
Insurance claims are more common than you probably think. Although inevitably, some claims are fraudulent, there are countless others that are most certainly not. Many people pay into their insurance policies without ever really taking advantage of what they are entitled to. However, when life goes pear-shaped and disaster hits, having insurance can help smooth out the wrinkles and get you back on your feet.
#1 Freak weather conditions
You may find that you can or need to make an insurance claim due to damage caused by freak weather conditions. Flooding can cause a lot of damage to the home, and it is not just the visual aspect of floor or carpet damage. Indeed, water damage can go far deeper, and depending on the depth of the water, it can take a long while for a property to dry out. Many policies, such as home insurance from KBD, can cover multiple aspects of water and flood damage, but you should be aware that these policies are generally subject to a deductible.
Of course, it is not just flooding that can be a problem. While being different, both hurricanes and tornados do an awful lot of damage and can devastate and flatten a property in less than a minute.
#2 Theft or burglaries
Other than these mind-numbing possibilities, there are also the actions of criminals who are opportunists or have waited for the perfect opportunity to break into your home and help themselves. However, it is never so simple, and you will find that they do a lot of damage on their way, so it is not just the missing items that you will need to make a claim for but also repairs to any damage to your property as well.
#3 Fire damage
Fires can start very easily and get out of control fast. In fact, a house fire can take anything from 30 seconds from the point of induction to a couple of minutes to start raging out of control. You should therefore make sure that you have as many fire safety measures as possible to hand.
Fire can be truly devastating, even in properties that are uninhabited at the time of the fire. Everything that isn’t reduced to ash will have smoke damage and will remind the victim of that fateful day. However, being able to make an insurance claim can help those individuals rebuild their lives and maybe even sometimes their homes, which is something only a very few of them would be able to do without it.
#4 Loss of personal items while on vacation
In a lot of cases, home insurance can actually cover those personal items that you take on vacation with you. Although you may think it doesn’t happen, people do lose or forget personal items while they are on vacation. For instance, it is not unheard of or even unusual for monkeys of various descriptions to steal tourist’s cameras, food, or for that matter, purses. Of course, you would not be able to put a claim in for the food that was stolen, but a claim for the contents of a purse or a camera will make the memory of the little critter hot-footing it away at speed laughable rather than wrecking a rather, up until then, enjoyable vacation.
Final thoughts
It is important that you know what your insurance policies cover. Being able to make a claim is not a bad thing. Indeed, you have taken out the insurance policy to help you in the event of certain circumstances coming to fruition. If in any doubt about whether you are entitled to claim or not, speak to your insurance provider. They will be more than happy to help you.
