What if the biggest risk to your home is not a major disaster, but a simple water leak or a bout of bad weather? Knowing the most common home insurance claims helps you spot problems early, protect your home, and check you have the right cover in place before you ever need to make a claim.

Escape of Water (Burst Pipes and Leaks)

This refers to water damage caused by burst pipes, leaking water tanks, faulty appliances, or plumbing issues.

Common causes include:

  • Burst pipes during cold weather
  • Leaking water tanks or immersion tanks
  • Washing machine or dishwasher leaks
  • Shower or bathroom leaks
  • Heating system leaks
Prevention tips:
  • Insulate pipes and water tanks
  • Leave heating on low during very cold weather
  • Fix leaks as soon as they appear
  • Know where your stopcock is located
  • Avoid leaving appliances running when you are not at home

 

Storm and Flood Damage

Due to Ireland’s weather, storm damage is another common reason for home insurance claims. Strong winds, heavy rain and storms can cause damage to roofs, gutters, fences, sheds and sometimes flooding.

Storm-related claims often include:

  • Roof tiles blown off
  • Damage to gutters and downpipes
  • Fallen trees or branches
  • Fence or shed damage
  • Flood damage after heavy rainfall
Prevention tips:
  • Check roofs and gutters regularly
  • Keep drains and gutters clear
  • Trim trees near your home
  • Secure outdoor furniture and trampolines before storms

Fire Damage

Fire claims are often the most serious and expensive home insurance claims when they occur.

Common causes of house fires include:

  • Kitchen fires
  • Electrical faults
  • Faulty appliances
  • Chimney fires
  • Heaters or candles left unattended
Prevention tips:
  • Install smoke alarms and check them regularly
  • Never leave cooking unattended
  • Have chimneys cleaned annually
  • Avoid overloading electrical sockets
  • Turn off heaters before going to bed

Regular home maintenance and reviewing your home insurance cover can help reduce the risk of damage and ensure you are properly protected if something unexpected happens.

It may be a good idea to review your home insurance regularly to make sure:

  • Your buildings sum insured is correct
  • Your contents sum insured reflects the value of your belongings
  • You understand your policy excess
  • You know what is covered under your policy