Savannah is very charming with the Southern ways of living, but it comes with several risks that can shoot up insurance claims. If you own a home or drive frequently, you must know the most common claims that you may avoid and save time, money, and energy. Let’s talk about five common homeowners insurance in Savannah ,GA, claims and tips to avoid them.
Damage to Homes By Storms
Savannah is prone to great exposure to hurricanes, heavy rains, and powerful winds that often give rise to claims related to roof damage, flooding, and structural defects.
How to Avoid this problem:
Regularly inspect and maintain your roof so that it is in proper shape.
Use storm shutters and tie outdoor furniture during storms.
You may want to include flood coverage in your house insurance in Savannah, GA since most regular policies do not cover flooding.
Water Damage Caused by Plumbing Problems
One of the main causes of damage by water arises from bursting water pipes, leakages, and improper plumbing. It can lead to a lot of repairs and high costs if left unattended in time.
How to Prevent it:
Watch the pipes and ensure leakage issues are treated in time.
Use covers for your pipes during frost weather to prevent the rupturing of water pipes.
Buy homeowners insurance in Savannah, GA, and make sure that your home will not have any unexpected water damage due to leakage.
Auto Accidents
Due to heavy traffic and people visiting Savanah’s historical places, car crashes come under common reasons of auto insurance Savannah claims. They are just minor fender benders but can be major collisions.
How to Avoid it:
Be defensive while driving and alert, mostly in congested places.
Keep the speed limit and also be cautious in rainy and snowy conditions.
Have your auto insurance policy checked for the right amount of cover in case of accidents, such as liability and collision cover.
Thefts and Vandalism
Property crime, such as burglary or vandalism, is another common issue in the city of Savannah, causing both home and auto claims for insurance.
How to Avoid it:
- Install security systems with cameras for both your house and car.
- Lock your doors and windows at all times and avoid leaving valuable things in open view.
- Check your personal property protection in the Savannah, GA, home insurance policy, and also check that the auto insurance policy includes protection against theft.
Damage Due to Fire
However, fires caused by faulty wiring, cooking incidents, or natural causes are a significant source of danger for Savannah homeowners.
How to Prevent it:
Install smoke detectors in your home, and make sure to maintain them.
Do not overload electrical outlets, and check your wiring regularly.
Keep fire extinguishers and teach family members their proper usage.
End Note
While you can’t completely run away from insurance claims, there is a lot you can do to ensure you are on the safe side. This depends on how well you maintain your properties, keep responsible driving, and examine your insurance coverage regularly.
At Savannah Insurance Advisors, we love helping you find the coverage you need to fit your unique life. Whether you’re looking for home insurance in Savannah, GA, or car insurance in Savannah, we’ll walk you through the process, and you can sit back and worry less. Give us a call today!