The 4 Most Common Claims Made in Homeowners insurance

Homeowners insurance

Nobody will love to see their belongings or property getting damaged or lost because of an unexpected event that is usually not under the control of anyone just like the future. But rather than just hoping for everything to turn out fine in the future, you can better prepare for the worst and this is where homeowners insurance comes into the picture. Buying homeowners insurance is the smartest decision you can make to get protection for your property and belongings. 

Basic homeowners insurance like Centauri insurance Louisiana provides cover against loss and damage caused by theft, fire, hail, and wind along with personal liability protection if anyone gets injured at your property. But the main question that pops up in the mind of most people is which type of claims can be made under homeowners insurance? Keep reading to stay illuminated. 

Hail and Wind 

In the case of hail, the strong storms are the real perpetrators that cause damage to houses and other kinds of properties. The diameter of a hail usually ranges from 0.2 inches to 8 inches. But for causing severe damage to a property, the hail needs to be at least 0.75 in diameter. 

This includes every type of damage caused by winds moving at high-speed and this type of wind usually damages houses, uproots trees, and can even cause severe damage to the roof, regardless of how strong it is. Even a tree falling on your home because of high-velocity wind can wreak havoc on your house. 

Other Types of Damages Done to a Property 

Malicious mischief and vandalism include all kinds of intentional damages done to property or personal belonging of someone. This can include breaking the window glasses or painting on the walls. The main thing to note here is the damage always needs to be intentional for Centauri insurance Louisiana claim.

The amount that is paid under this type of claim is always limited and therefore, it becomes imperative to understand the limitation on the amount that can be claimed because of damage done under the category of malicious mischief and vandalism.

Freezing and water damage 

Another common reason for damage to property is water and you don’t need to worry about it if you have homeowners insurance as you just need to call Centauri insurance claims phone number and apply for a claim in case of freezing or water damage.

When it comes to homeowners insurance, the water damage has two separate categories, one is water damage related to the weather and another one is water damage that is not related to the weather. Water damage that is not related to weather includes damage done by drains, valves, plumbing, and all other non-weather-related reasons while weather-related water damage includes damage done to the roof, torn siding, and much more.


A vast majority of calls made on Centauri insurance claims phone number are because of theft. Both damage and losses of personal belongings and property during a break-in or an attempt to break in fall under the category of theft claim.

If you have been a victim of a burglary or an attempt of burglary and if your belongings, both inside and outside the property have been damaged or lost or if the property has been damaged, you can file a claim with your homeowner’s custom edible packaging

The only thing certain about the future is uncertainty and this is why, instead of just waiting for unexpected events to ruin your financial planning, you should be better prepared for the worst-case scenario with the best homeowners insurance. 

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