{"id":98,"date":"2025-10-31T12:00:00","date_gmt":"2025-10-31T18:00:00","guid":{"rendered":"https:\/\/www.baldodownsinsurance.com\/blog\/?p=98"},"modified":"2025-10-22T13:51:52","modified_gmt":"2025-10-22T19:51:52","slug":"what-are-the-most-commonly-filed-homeowner-claims","status":"publish","type":"post","link":"https:\/\/www.baldodownsinsurance.com\/blog\/what-are-the-most-commonly-filed-homeowner-claims\/","title":{"rendered":"What Are the Most Commonly Filed Homeowner Claims?"},"content":{"rendered":"

If you buy a home in Alabama, you’ll want to protect your investment. The best way to get that protection is to purchase home insurance. If your home is in the Tuscaloosa, AL, area, our team at Baldo-Downs Insurance LLC will help you select the best policy for your needs. We’ve been working with homeowners like you since 1981.<\/p>\n

What Are the Most Commonly Filed Homeowner Claims?<\/h2>\n

If you’re new to homeownership, you might wonder what types of claims policyholders might submit for home insurance. According to U.S. News, the most common types of claims filed are for property damage. For example, the same website reports that 96% to 97% of the claims submitted between 2019 and 2023 were for property damage claims. During the same time period, only 2% to 3% of submitted claims were for liability suits.<\/p>\n

If you’re curious about the breakdown of those property damage claims, wind and hail damage claims were the most frequent type. To be more precise, one out of every 36 policyholders filed a claim for wind or hail damage between 2019 and 2023. According to U.S. News, the second most frequent type of damage reported was water damage, either due to floods or leaks. <\/p>\n

Call Us for an Appointment<\/h2>\n

You never know when a disaster may occur, so it is prudent to protect your investment in your home. Our team at Baldo-Downs Insurance LLC will help you find an affordable policy to meet your needs. Homeowners in the Tuscaloosa, AL, area have trusted our team of experienced agents for over forty years.  Call us for an appointment, and let’s talk about insurance.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you buy a home in Alabama, you’ll want to protect your investment. The best way to get that protection is to purchase home insurance. If your home is in the Tuscaloosa, AL, area, our team at Baldo-Downs Insurance LLC will help you select the best policy for your needs. We’ve been working with homeowners […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[24,9,25,22,23],"class_list":["post-98","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-al","tag-baldo-downs-insurance-llc","tag-home","tag-insurance","tag-tuscaloosa"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t