As a homeowner in the Goldsboro, NC area, it is imperative that you purchase a comprehensive property insurance policy that adequately protects you in the event of property damage. When considering a property insurance policy, one often thinks about significant event claims, such as a tornado, but it is also essential to make sure you are covered for the most common type of claims in North Carolina. A specialist at Wayne Realty & Insurance Co., Inc. would be happy to meet with you to discuss and make sure your policy has coverage for these types of claims.

On the top of the list is property damage caused by wind. Wind can be a destructive force, so you need to make sure you have coverage to help repair damage caused from wind such as a replacing the roof or damage from a fallen tree.

Water damage also tops the list of most common claims; however, water damage is not always caused by rising water. Some of the most common and most expensive water damage claims often come in the winter from bursting pipes.

Although the chance of a person being struck by lightning is very low, property damage caused by lighting is another top claim made under property insurance policies. Lighting strikes can cause much more damage than causing a tree to fall on your home. When lightning strikes a home, it can cause a power surge which can lead to severe damage to your electrical systems.

Fire is also on the top of the list for property insurance claims. Fire not only destroys property but the smoke damage caused as a result can become extremely difficult and costly to repair.

If you are a homeowner in the Goldsboro, NC area, please reach out to an insurance specialist at Wayne Realty & Insurance Co., Inc to review your current property policy to make sure you are appropriately covered for the most common loses.