Why home owners file insurance claims? The answer to this question is obvious; because of some kind of loss. Do you know what the leading reason property owners filed claims with their insurance companies? According to c 2005 fact book the answer is Fire and lightning counting for 32.42% of all loss claims. The second leading cause of damage claims is Wind with 22.8 % followed in third by Water damage with 21.74% and finally theft with 4.54%(these figures are based on 5 year averages from 1999 to 2003). What does this mean? It means that statistically speaking you have less to fear from your neighbor than you thought you did. Knowledge is power; you are now empowered to protect your home from these causes of home damage. How though?

One unsettling thought is how we are at the whim of natures