Tag Archives: insurance claims

How to Avoid Insurance Claims on Thanksgiving


How to Avoid Insurance Claims on Thanksgiving on

Giving thanks for a well-done holiday

Thanksgiving. The word alone conjures up images of a Norman Rockwell painting: family and friends, fall foliage, football, parades, and turkey with all the trimmings.

It should also bring to mind fire safety.

According to the National Fire Protection Agency (NFPA), cooking is the number one cause of home fires and injuries. And since Thanksgiving is the day when nearly every kitchen in the country is being used, it serves to reason that the day for giving thanks is also the one most popular for fire insurance claims.

Before Turkey Day actually gets here, it’s a good idea to prep your kitchen so that your home is not one of those claims.

In the kitchen

Kitchens get a tremendous workout in the days leading up to Thanksgiving and on the day itself. For that reason alone, it’s necessary to take stock of the space you have.

• Make sure the oven is clean. A build-up of grease from meals-gone-by can easily ignite. Also keep clutter and decorations—like that cute paper turkey the kids made in school—away from hot cooking surfaces.

• It’s easy to get distracted during the holidays. On one hand, there’s kitchen duty; on the other, there is the pressure to visit with guests. Invite others into the kitchen not only to visit, but to help keep you focused on meal preparation. If you’re the guest, be the second set of eyes on the oven.

• While delegating, assign someone the task of keeping children and pets out of the kitchen. It’s very easy to trip on a little one while carrying a heavy roasting pan of turkey and vegetables.

• Avoid wearing loose clothing, long sleeves, and dangling jewelry. These can easily catch fire or become caught on pot handles.

• Speaking of pot handles, keep them turned in so no one can accidentally bump into them.

• Beware of the turkey fryer. Although they provide a tasty alternative to the traditional oven-roasted bird, fryers are highly discouraged by the NFPA because of the great risk for fire and injuries.

• Keep an eye on the candles you use on your Thanksgiving table and around the house. Ambience is nice, but battery-operated candles can create just as much of a holiday glow.

• Have a plan of what to do in case of a kitchen fire–or any fire for that matter. Make sure there is a fire extinguisher in the kitchen, know how to use it, and stay calm.

Don’t forget about the travel

As with planning ahead for a Thanksgiving meal, it’s also wise to plan ahead for a Thanksgiving drive. Remember to be patient and to give yourself time to travel. Also, be aware of your own exhaustion so that you’re not too tired to be behind the wheel.

Seatbelts are a must and pets should be secured.

Finally, travel with a safety kit: flashlight, blanket, first aid kit, snacks, water, and basic tools. It’s also a good idea to make sure the cell phone is fully charged; especially if you are traveling a significant distance to see loved ones.

Giving thanks

Thanksgiving is not the time to discover that you’re not as covered as you thought. At Avante Insurance, we want you to enjoy this holiday and all of the holidays to come. We want you to make happy memories for your friends and families.

As always, we’re here to answer your questions and concerns about insurance coverage, liability, and the social host laws in your state. It’s our belief that with a little bit of planning, your Thanksgiving can be a thankful one. Talk to us.

What Causes Most Homeowners Insurance Claims?

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What Causes Most Homeowners Insurance Claims on avanteinsurance.com

Be sure to consider the most common events when purchasing your policy

If you’re a homeowner and you’re researching what type of insurance is right for you, it’s a good idea to understand what kind of protection you’ll need most. While needs vary from home to home, there are certain events that arise more often than others and some that lead to costly repairs. Here’s a quick breakdown of the most common claims made on homeowner’s insurance:

Damage from wind and weather

Would you believe that more than 50 percent of the claims made each year are due to wind, hail, and other weather-related water damage? According to Claims Journal, the breakdown is 25 percent due to exterior wind damage, 15 percent due to hail, and 11 percent due to water damage. And if you live in Florida, your home’s exposure to things like hurricanes, tornadoes, tropical storms, and other weather events that feature high winds can be quite high.

Plumbing disasters

A large portion of water damage stems from non-weather-related problems. Whether pipes burst or leak or appliances malfunction causing a flood, unexpected and large amounts of water can cause a lot of havoc. These types of events happen suddenly and often without warning, especially when pipes within the walls or under the floor fail. In Florida, claims for this type of damage average in excess of $6,000 each.

Burglary and theft

Also among the top causes of claims to homeowner’s policies are thefts inside the home or on the homeowner’s property. Stolen merchandise, damage to the home (broken doors and windows), and other theft related claims are not only common, they average thousands of dollars in loss for each occurrence.


Thunderstorms and lightning can do more than force folks to stay indoors – they are also notorious for causing damage to homes. While a little bit of lightning is usually not an ordeal (especially if you live in Florida, where there are thunderstorms nearly every day in the summer), they can wreck your home’s electric lines and even cause a fire.


Floods that are non-plumbing related, like those that occur after days and days of rain, are responsible for a large portion of homeowner’s insurance claims each year. If you live near the coast or on any waterfront, you are most likely aware of the amount of damage that can be caused by flooding. These claims are not only very common, they are some of the most expensive, averaging over $13,000.

While you can never predict what will happen in or around your home that may result in damages or loss, everyone knows the value of planning ahead to protect your assets. And because your home is the biggest and most valuable investment you’ll ever make, having the right insurance is crucial, from your basic homeowners to flood and windstorm policies, depending on where you live. It’s best to do a review each year, go over all your coverage in detail, and to update your policy when you make changes, updates, or additions to your home or property.

To make sure you’re protected, get a no-obligation quote online or give us a call at 305-648-7070, and we’ll review your insurance needs and options.