Are you an Austin, TX homeowner with full homeowners insurance coverage? If you haven’t visited a firm like the Southwest Insurance Center and established your homeowners insurance policy, you may be placing your home and your finances at great risk. Without good homeowners insurance, many homeowners in Austin would be, so to speak, up a creek without a paddle.
The most common homeowners insurance claims in Austin, TX remain common at the national level as well. However, it’s important to see what affects the homes near you so you see why you need insurance. A home is an investment and one that can easily be taken away from you in a disaster if you’re not careful.
Nationwide, the most common type of homeowners insurance claim is wind damage on the outside of the house. Wind damage largely occurs during storms like tornadoes, but less violent storms can carry straight line winds and or winds at high enough speeds to rip off shingles. Other high-frequency claims include hail damage and theft.
In Austin, claims aren’t that much different from the rest of the country. Roof damage is the most common insurance claim for homes in Texas, often caused by high winds. Roof damage can also be caused by hail or water. Other common claims made by Texas homeowners include dog bites, water damage (like burst pipes), and fire damage. If you own a home in Austin or elsewhere in Texas, it’s important to ensure you have complete home insurance coverage by visiting a firm like Southwest Insurance Center. You never know when rainfall, which happens most often in the spring and fall in Austin, is going to add up to enough damage that you need some insurance coverage.