05/18/2026
If you’re a homeowner, here are some of the top insurance claim trends we’re seeing right now and how you can stay ahead of them.
1️⃣ Water damage continues to be the biggest issue
Burst pipes, sewer backup and appliance leaks are driving a large share of claims. Small steps like checking your hoses, installing leak detectors and knowing where your shut-off valve is can go a long way.
2️⃣ Severe weather is increasing
Hail, wind and heavy rain events are happening more often and they are more costly. It is a good idea to make sure your coverage reflects today’s rebuilding costs, not what your home was worth years ago.
3️⃣ Repair costs have gone up
Labour and materials are more expensive than they used to be, which means underinsurance is a real risk if your policy has not been reviewed recently.
4️⃣ High-value items need extra attention
Jewellery, watches and collectibles are often underinsured or not properly listed. These items usually need to be scheduled correctly to ensure full protection.
Bottom line, insurance is not something to set and forget. It should be reviewed as your home, lifestyle and the market change.
If it’s been a while since you reviewed your coverage, reach out to our team at Apex Surety & Insurance. We will make sure you are properly protected before a claim ever happens.
Leandra Martin - Personal Lines Client Specialist
📲(431) 302 4175
📧[email protected]
