How to Prevent Home Insurance Claims: Tips for Homeowners

As a homeowner in the Ark-La-Tex area, it’s important to take proactive measures to prevent homeowners’ insurance claims with your insurance company. Insurance claims can be costly and time-consuming, and they can also lead to higher insurance premiums.

By taking steps to prevent claims from happening in the first place, you can protect your home and save yourself money and hassle in the long run.

Tips for Preventing Home Insurance Claims

Sometimes disaster strikes without notice.

Unfortunately, the cost of repairs often requires going through the homeowner’s insurance claim process.

Insurance carriers are not all one and the same, so before you experience a loss, it’s important to know what your homeowner’s insurance policy covers and what it doesn’t.

Make sure you review your policy annually and understand the limits of your coverage.

If your home suffers an unexpected loss due to a storm, fire, or vandalism, do whatever is necessary to minimize further damage.

For example, if you have a broken window due to a storm, cover the opening with plywood or plastic sheeting until repairs can be made.

It’s always best to document any property damage claim as soon as possible after it occurs.

Take photographs and written descriptions of the damage, and make sure to keep receipts for any temporary repairs you may need to do.

Before this or anything else, make sure you contact your insurance agent.

They will know the process for making sure you meet the homeowner’s insurance company requirements for filing a claim that pays without issue.

Make sure you understand all of your options before making a decision on how to proceed.

If estimates for repairs look to exceed your deductible, most likely you will be working with a claims adjuster.

When dealing with a property damage claim, it’s important to work with an experienced claims adjuster who can help you navigate the insurance process.

By following the tips below, you can help prevent home insurance claims from occurring and protect your home in the long run.

Keep Your Home Well-Maintained

One of the most important things you can do to prevent home insurance claims is to keep your home in good repair.

This means staying on top of regular maintenance tasks such as cleaning gutters, checking the roof for leaks, and maintaining your HVAC system.

A well-maintained home is less likely to suffer damage from things like water leaks, fires, and other disasters.

Install Safety Features

Installing safety features in your home can also help prevent insurance claims. This includes things like smoke detectors, carbon monoxide detectors, and fire extinguishers.

You should also consider installing a security system to protect your home against break-ins and theft.

Many insurance companies offer discounts for homes that have these features installed, which can help lower your insurance premiums.

Be Mindful of Water Damage

Water damage is one of the most common causes of home insurance claims.

To prevent water damage from occurring, be mindful of things like leaky pipes, overflowing toilets, and damaged appliances.

Make sure to repair any leaks or damage as soon as possible to prevent the damage from spreading.

You should also consider installing a water leak detection system, which can alert you to leaks before they cause serious damage.

Be Prepared for Storms

The Ark-La-Tex area is prone to severe weather, including thunderstorms, tornadoes, and hurricanes.

To protect your home against storm damage, make sure to have a plan in place before a storm hits.

This should include things like securing outdoor furniture and equipment, reinforcing windows and doors, and making sure your roof is in good repair.

You should also have an emergency kit on hand that includes things like flashlights, batteries, and a first aid kit.

Keep Your Property Clear

Another important way to prevent insurance claims is to keep your property clear of hazards.

This includes things like overgrown trees and bushes, loose branches, and debris.

Make sure to trim trees and bushes regularly and remove any debris from your yard.

This will help prevent damage to your home and reduce the risk of injury to you and your family.

Understand Your Insurance Policy

Finally, it’s important to understand your insurance policy and what it covers.

Make sure you have enough coverage to protect your home and belongings in case of a disaster.

You should also understand any exclusions or limitations in your policy, such as damage caused by flooding or earthquakes.

If you’re unsure about your coverage, talk to your insurance agent to get a better understanding of what you’re protected against.

By following these tips, you can help prevent home insurance claims and protect your home and belongings.

While you can’t always prevent disasters from happening, taking proactive steps to reduce your risk can save you time, money, and stress in the long run.

Stay Alert for Home Hazards

In addition to keeping your home well-maintained and clear of hazards, it’s important to be aware of potential hazards that may exist within your home.

For example, faulty wiring or overloaded circuits can lead to electrical fires, while candles or space heaters can pose a fire hazard if not used safely.

Take steps to reduce your risk by having your wiring inspected regularly, avoiding the use of open flames or unattended heating appliances, and keeping flammable materials away from heat sources.

Secure Your Valuables

Finally, it’s important to take steps to protect your valuables from theft or damage. This includes things like jewelry, electronics, and important documents.

Consider investing in a safe to store your most valuable items, and make sure to keep copies of important documents in a secure location, such as a safe deposit box.

You may also want to consider installing a home security system to deter burglars and protect your home while you’re away.


In conclusion, preventing home insurance claims requires a combination of proactive measures and vigilance.

By keeping your home well-maintained, installing safety features, being mindful of water damage, preparing for storms, keeping your property clear, understanding your insurance policy, staying alert for home hazards, and securing your valuables, you can reduce your risk of experiencing a costly insurance claim.

Remember to stay informed about potential risks and hazards, and take action to mitigate them as soon as possible.

With these tips in mind, you can protect your home and enjoy greater peace of mind as a homeowner in the Ark-La-Tex area.

If you’re a homeowner in the Ark-La-Tex area looking for insurance options, Watley Insurance Group is your best bet.

We love to serve our neighbors in Shreveport, Bossier City, Benton, Barksdale Air Force Base, Haughton, Keithville, and Blanchard.

As an independent insurance agency, Watley Insurance Group offers a wide range of insurance options from multiple carriers, allowing you to find the coverage that’s right for you.

With our expertise in the industry and our commitment to providing personalized service to their clients, Watley Insurance Group can help you protect your home and your belongings from potential risks and hazards.

Whether you’re looking for coverage for your primary residence, a vacation home, or a rental property, Watley Insurance Group has the experience and knowledge to help you find the right policy at the right price.

So why wait? Contact Watley Insurance Group today to learn more about how we can help you protect your home and your peace of mind.

Wayne F. Watley, Jr.

Agency Principal, proud husband & father, and jazz enthusiast.