Published: August 5, 2018
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Updated: October 13, 2025
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Homeowners in New Jersey and Pennsylvania are facing more unpredictable and costly risks than ever before. Whether it’s high winds from a fall storm or frozen pipes during winter, the most common causes of property damage are shifting — and so are the costs to repair them.
At Maghan Insurance, we’re breaking down the top causes of property damage in Fall 2025, what they cost, and how you can stay protected with the right coverage.
🏠 Most Common Causes of Property Damage in 2025 (NJ & PA)
Based on the latest claims data and risk forecasts, here’s what’s causing the most headaches for homeowners this year:
🌬️ Wind & Hail — 34% of Claims
From coastal storms to inland wind events, these forces are a top threat. Wind can tear off shingles, break windows, and damage siding — and it’s increasingly costly.
- Roof repairs can range from $5,000–$15,000+
- Hurricane and wind deductibles often range from 3%–5% of home value
🚿 Water Damage (Non-Weather) — 30% of Claims
Plumbing leaks, water heater failures, and burst pipes are the quiet culprits behind thousands of claims each year — and they’re largely preventable.
- Most common in older homes and during colder months
- Check appliances, water lines, and seals regularly
❄️ Frozen Pipes & Ice Dams
When temperatures drop, pipes freeze and burst. Ice dams on roofs can trap water and lead to leaks inside the home.
- Common in North Jersey and PA during winter
- Typical claim cost: $10,000+
🔥 Fire & Smoke
Whether from a kitchen mishap or faulty wiring, fire remains one of the most devastating property risks.
- Fire is the most expensive type of claim on average
- Prevention tips: smoke alarms, surge protectors, and appliance checks
🌧️ Weather-Related Flooding
Flash floods and severe rain events are rising, even in areas outside traditional flood zones.
- Flooding is not covered by standard homeowners insurance
- Consider a separate flood insurance policy through the NFIP
💸 The Most Expensive Types of Property Damage in 2025
Some damage happens more often. Some damage costs a lot more. Here’s what’s hitting homeowners the hardest in 2025:
| Type of Damage | Avg. Claim Cost | Risk in NJ/PA |
|---|---|---|
| 🔥 Fire & Smoke | $75,000+ | Medium–High |
| 💨 Wind & Hail | $10,000–$25,000+ | High |
| 🚿 Water (Non-weather) | $8,000–$15,000 | High |
| ❄️ Frozen Pipes | $10,000+ | High (Winter) |
| 🌊 Flooding (Storm) | $30,000+ (if uninsured) | Increasing |
📈 What’s New for NJ & PA Homeowners in 2025
🔺 Rising Premiums
Many homeowners in NJ and PA are seeing 15%–25% premium increases in 2025 due to increased storm risk and inflation-related rebuild costs.
⚠️ Percentage-Based Wind & Hail Deductibles
Instead of a flat dollar amount, some policies now charge a percentage of your home’s insured value as a deductible for wind/hail claims. That can mean thousands out of pocket before coverage kicks in.
🧯 Coverage Gaps for Flood, Mold & Sewer Backup
Standard policies often exclude these perils — but they’re among the fastest-rising sources of damage. Ask your agent about endorsements and add-on policies.
🛠️ Fall 2025 Homeowner Checklist: Prevent & Protect
- Schedule a roof inspection, especially if it’s 10+ years old
- Insulate exposed pipes and disconnect outdoor hoses
- Clean gutters and downspouts to prevent ice dams
- Install a sump pump with battery backup
- Review your insurance annually with an independent agent
- Consider flood insurance — even outside flood zones
🛡️ Talk to a Local Agent Who Gets It
At The Ross Maghan Agency, we understand the unique risks homeowners face in New Jersey and Pennsylvania. Our local agents help you find smart, affordable coverage — and make sure you’re protected when things go wrong.
📞 Ready to review your policy or get a quote?
Click here to contact us today »