Your home is your sanctuary, but unexpected accidents can happen when you least expect them. From falling trees to burst pipes and even mysterious sinkholes, homeowners insurance often covers more than you might realise. Understanding these hidden protections can save you from costly surprises.
In this article, we’ll explore some unexpected home accidents that your homeowners insurance may cover, ensuring you’re prepared for the unexpected twists of homeownership.
Kitchen disasters and appliance malfunctions
The kitchen is the heart of the home, but it’s also a hotspot for potential disasters. From stove fires and grease flare-ups to dishwashers overflowing and refrigerators leaking, appliance malfunctions can lead to costly damage. A faulty electrical connection in an oven can spark a fire, while a malfunctioning dishwasher may cause water damage to floors and cabinets.
Even microwaves can short-circuit, posing fire hazards. One of the most dangerous kitchen mishaps is when a pressure cooker explodes due to excess pressure. But how can a pressure cooker explode, and what are the risks? In such cases, the result can be severe burns, shattered glass, or even structural damage.
Fortunately, homeowners insurance may cover repairs and damages caused by these unexpected kitchen mishaps, depending on the policy.
Lawyers can also be a beacon of hope for victims seeking justice against manufacturers of defective products, notes TorHoerman Law. These legal professionals empower victims to pursue compensation for their suffering, including medical expenses, pain and suffering damages, and other financial burdens.
How can I prove that a faulty appliance, not a user error, caused the accident?
To prove a faulty appliance caused the accident, collect evidence such as pictures, maintenance records, and witness statements. A professional inspection or expert testimony can help confirm a defect. If available, product recalls, or prior complaints against the manufacturer can further support your claim that it wasn’t a user error.
Water damage from burst pipes and leaks
Burst pipes and leaks can cause water damages that lead to costly repairs and structural issues in a home. Freezing temperatures, ageing pipes, or hidden leaks can cause sudden flooding, damaging walls, floors, and personal belongings. The development of mould and electrical hazards may also arise if water isn’t addressed quickly.
According to Insurance Journal, homeowners are not prepared for water damages that are not directly related to weather conditions. Water damage is ranked as the 2nd most common reason for insurance loss claims. Still, only 17% of owners use preventive measures like a water sensor in their homes.
If unexpected water damage occurs at home despite preventive measures, homeowners can file an insurance claim. Most policies cover sudden incidents like pipe bursts, but gradual leaks caused by neglect may be excluded. Prompt reporting and thorough documentation of the damage can streamline the claims process and improve the chances of approval.
Electrical fires and power surges
Faulty wiring, overloaded circuits, or defective appliances may lead to electrical fires, causing considerable damage to homes and lives. A sudden power surge can damage electronics, while an undetected wiring problem may lead to a dangerous fire. Lightning strikes and utility malfunctions can also trigger dangerous power fluctuations.
There has been a considerable increase in electric fire accidents in residential buildings in the last decade. As per the Electrical Safety Foundation International, home electrical fires cause around 51,000 accidents every year. These fire accidents lead to nearly 500 deaths, over 1,400 injuries, and about $1.3 billion in property damage. Faulty electrical systems are the third most common cause of house fires.
Homeowners insurance typically covers fire damage and, in some cases, damage from power surges. Document the incident, take photos of damaged property, and review your policy to know the details of your coverage for electrical hazards.
Will my insurance cover damage caused by an overloaded circuit?
Homeowners insurance typically covers damage from electrical fires caused by an overloaded circuit. However, it may not cover damage due to negligence or outdated wiring. If the fire was sudden and accidental, you’re likely covered. Reviewing your policy and maintaining safe electrical systems can help prevent claim denials.
Falling objects and structural collapses
Heavy tree limbs, ice buildup, or debris from storms can crash onto homes, damaging roofs and walls. In severe cases, weakened foundations or poor construction may lead to partial or total structural collapse.
In a report, Yahoo News highlighted four high-profile building collapses between 2021 and 2023, raising serious safety concerns for residents. The median building age in the US is 90 years.
Many structures, especially those built before 1900, are ageing and require repairs. In December 2023, a seven-story building in New York City partially collapsed, further underscoring the risks of deteriorating infrastructure.
An insurance claim is accepted in case of sudden collapses caused by storms, hidden decay, or weight from snow and ice. However, claims may be denied if the collapse results from neglect or pre-existing structural issues. Regular inspections and repairs can help prevent such disasters.
Injuries from slip-and-fall accidents at home
Slips and trip accidents at home can lead to severe injuries, like fractures, concussions, or sprains. Wet floors, loose rugs, or uneven surfaces are common hazards. Homeowners’ insurance may cover medical expenses if a guest is injured on your property, but not for household members.
For a successful claim, you must prove the accident was sudden and not due to negligence. Proper documentation and prompt reporting can strengthen your claim with the insurance company.
If a visitor slips and gets injured in my home, am I legally responsible?
You may be legally responsible if a visitor slips and gets injured due to unsafe conditions, like a wet or uneven surface. Homeowners insurance often covers medical expenses and liability claims, but negligence, such as ignoring hazards, could impact coverage. Promptly addressing risks can help prevent legal issues.
Theft and vandalism-related damage
Theft and vandalism can lead to costly property damage, from broken windows to stolen valuables. According to Statista, there were 1,916.7 cases of property-related crime per 100,000 people in the US in 2023. The number of cases was slightly lower compared to 2022, but the overall trend in property-related crime remains concerning.
Homeowners insurance typically covers losses caused by burglary and vandalism, but coverage depends on your policy. Preventive measures include installing security cameras, strong locks, and outdoor lighting.
Providing police reports, security footage, and receipts for stolen goods can strengthen your case. If your claim gets denied, review the insurer’s reasoning. Some common reasons include lack of evidence or policy exclusions. If necessary, you can appeal the decision or seek legal assistance for further action.
Protecting your home from the unexpected
Homeowners insurance offers valuable protection against unexpected disasters, from kitchen fires to structural collapses. Understanding your policy and taking preventive measures can help minimise risks and ensure smoother claims. If a claim is denied, reviewing your policy, gathering evidence, and seeking legal advice can improve your chances of securing better coverage.
