The Biggest Home Insurance Claims & How to Avoid Them

Living in Port Arthur, Texas, means enjoying the Gulf Coast lifestyle, but it also means facing unique risks to your home. At Better Way Insurance Agency, we help our clients understand the most common and costly home insurance claims in the area, so you can take steps to secure your property and avoid unnecessary headaches.

Common Home Insurance Claims

Some of the common claims we see in Port Arthur include:

• Wind and storm damage. Hurricanes and severe storms can cause significant roof and window damage.
• Water damage. Heavy rains and flooding are leading causes of costly repairs.
• Fire and smoke damage. Electrical issues and kitchen accidents can all lead to fire claims.
• Theft and vandalism. Property crimes, while often less common than weather events, still pose a risk to local homeowners.
• Hail damage. Hailstorms can quickly damage roofs, gutters and outdoor structures.

How to Prevent Costly Claims

While insurance is there to help when disaster strikes, prevention is always the best strategy. Here are some practical tips to help minimize your risks:

• Maintain your roof and gutters. Regular inspections and repairs can prevent leaks and reduce storm damage.
• Install storm shutters. Protect windows from flying debris during hurricanes and strong winds.
• Upgrade home security. Use security cameras and alarm systems to deter theft and vandalism.
• Monitor plumbing. Check for leaks, insulate pipes and know how to shut off your water in an emergency.
• Trim trees and secure outdoor items. Prevent branches from damaging your home and keep outdoor furniture secured during storms.
• Review your coverage. Make sure your policy reflects your home’s current value and risks, especially if you’ve made improvements.

Protect Your Home with Better Way Insurance Agency

Our team is dedicated to helping homeowners find the right insurance and understand how to reduce the likelihood of a claim. If you have questions about your coverage or want more tips, contact us today. We’re here to help you secure what matters most.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.