Common Causes of Home Property Damage

Everybody knows that your home is your castle. It’s where you go at the end of the day to spend time with the people that you love. This is what makes it so painful when our safety bubble is popped by the reality of property damage. It’s important to have a plan of action for when disaster strikes. Here are five of the most common causes of home property damage and what you can do about it.


One of the most destructive forces in nature is the incredible power of wind. According to Traveler’s Insurance, wind damage accounts for more home insurance claims than any cause. To prevent damage, take a walk outside while considering what items could hit your home and take measures to prevent these from becoming airborne. Some of the more common potential projectiles include furniture, falling trees, and garbage cans.

Non-Weather Water Damage

Water damage from sources other than the weather is also a major source of claims from homeowners. This type of water damage typically results in flooding or a fungal infestation. There are several steps you can take to protect your family from the health effects of mold. Taking precautions to winterize your home, regularly checking your pipes for leaks, and turning off the water when you will be traveling all help to prevent water damage.


Hailstones are one of the most unpredictable causes of damage to a home. These small balls of ice rain from the sky and can ruin everything in their path like houses, vehicles, outdoor furniture, and anything else unfortunate enough to be in its path. There isn’t much you can do to protect your home aside from using better-quality materials. For everything else, make sure that they remain covered as much as possible.

Weather-Related Water Damage

The other big cause of water damage in a home comes from weather-related incidents. This includes any damage from rain, snow, flooding, and anything else causing water to rear its incredible power. One way to avoid this type of damage is to ensure that the shingles on your roof are in good condition. You should also ensure that your downspout points away from the house and your gutters remain free of clogs and other obstructions.


The last common cause of home property damage comes from theft. While less about pure destruction, there is still a loss of property that the homeowner is left to deal with. Keeping doors and windows locked at all times can help deter would-be thieves. Installing security cameras and motion-sensing lights also helps to prevent break-ins from occurring.

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Written by Logan Voss

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