Lancaster Homeowners, Watch Out for These Common Holiday Insurance Claims

Be on the lookout for these common holiday home perils.

For most people, the holidays are all about celebrating and spending time with friends and family.  Unfortunately, if you own a home, then it’s important to know that you face certain risks during this time of year.  If you do not want your festivities to be ruined by an insurance claim, then watch out for these common holiday home perils.

  • Damaged Roofs

Many homeowners like the decorate the outside of their homes in preparation for the holiday season.  However, one wrong step could send shingles raining down.  Many homeowners also accidentally knock down sections of their gutter, damage their chimney, or put holes in their roofs during the decoration process.

  • Guest Injuries

Many homeowners also end up filing claims for guest injuries during the holiday season.  Whether someone falls off the roof while helping put up lights or a party guest gets a little too intoxicated and ends up hurting themselves, personal injury claims go up during the month of December.

  • Fires

During the holiday season, many homeowners light up candles or get a fire going in their fireplaces to create a cozy vibe.  Unfortunately, many homeowners forget to snuff out their candles or accidentally leave fires burning after they go to bed.  This can often lead to nearby items igniting and a fire spreading throughout the home.  As such, many homeowners are forced to file insurance claims to address the fire damage.

  • Break-Ins

Many people travel to their relatives’ homes during the holidays.  Because they know that no one is home, burglars will break-in and steal presents and cause damage.  During the month of December, there is a higher rate of insurance claims filed to address the damages and losses sustained during a home break-in.

These are some of the common holiday home perils that you need to watch out for this season.  Want to make sure that you have adequate home coverage for the holidays?  Then turn to the experts at John E. Peakes Insurance Agency.  We are ready to assist you with all your home coverage needs today.

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