Top Five Park Home Insurance Claims in 2024

This article describes the most common claims on park home insurance that our dedicated claims team have dealt with in 2024.

As a park home owner, you know that accidents and unexpected events can lead to major inconveniences and expenses. By understanding the most common types of insurance claims, you can better prepare yourself and protect your park home from potential incidents. Here are the top five insurance claims we’ve seen in 2024, along with real-life examples that show just how quickly situations can arise.

  1. Escape of Water

Water leaks and plumbing issues have become some of the most common causes of park home insurance claims. These incidents often start small, such as a slow leak, but can quickly escalate into significant damage affecting subfloors, walls, and even electrical systems.

Take, for example, a customer who experienced a leak from their washing machine. At first, it seemed like a minor issue. However, the water gradually soaked into the subfloors, creating a large-scale problem that required extensive repair. By the time the issue was identified, the floors throughout the home were affected, resulting in substantial disruption and expenses. Detecting and acting on a leak early is crucial, as it can prevent small problems from becoming major repair projects. Water leaks don’t only come from washing machines; they can also be caused by burst pipes, leaking radiators, or even faulty appliances. 

  1. Accidental Damage

Accidental damage can happen in an instant. It’s those unexpected moments where an item gets dropped, a tool is misplaced, or you simply trip up while holding something delicate. Even if you’re careful, things don’t always go as planned, and accidental damage remains one of the leading reasons for insurance claims.

A common scenario we’ve seen this year involved a customer accidentally dropping a hot iron onto the carpet in the middle of their living room. What could have been a quick break in their daily routine turned into a frustrating situation requiring the replacement of the entire carpet. While this might seem like a minor incident, repairs can be costly, especially if carpets or furniture need to be replaced entirely. Accidents like these can happen to anyone, so it’s always good to take extra precautions and perhaps even keep a checklist of safety tips. 

  1. Storm Damage

Unpredictable weather events have led to increased claims for storm damage in park homes, especially with the intense storms that hit various regions this year. One of the most memorable was Storm Kathleen, which struck in April 2024 and caused significant damage to properties across the country. With strong winds and heavy rain, this storm proved that weather can have a powerful impact on park homes.

One of our clients experienced severe roof damage after Storm Kathleen passed through their area. High winds tore off several roof tiles, allowing rainwater to seep in and damage the internal structure of their home. This type of damage can be costly to repair, as it often requires not only roof replacement but also the drying and repairing of interior areas affected by water. Storms like Kathleen are reminders of how vital it is to prepare your home for extreme weather and keep up with regular maintenance. 

  1. Impact Damage

Impact damage is another significant cause of claims in 2024. This category includes damage caused by physical collisions, often involving vehicles. Even if you’re a cautious driver, situations can sometimes spiral out of control, leading to unexpected damage to your property.

One customer reported an unusual case of impact damage this year. They accidentally lost control of their vehicle while manoeuvring in the driveway and ended up hitting their own park home. Although it was a low-speed collision, the impact was enough to damage the home’s exterior and required repairs to both the home and the vehicle. Impact damage can also occur from fallen trees, branches, or objects being blown into the property during high winds. While these incidents are rare, the costs can add up quickly, making good insurance cover essential. 

  1. Fire

Fire is one of the most destructive hazards, and even small kitchen mishaps can lead to significant damage if not handled swiftly. Fires can be triggered by faulty wiring, heating equipment, or unattended cooking, all of which can escalate rapidly within the confines of a park home.

A notable example of a claim from 2024 involved a customer who was cooking with a chip pan when it suddenly caught fire. The flames quickly spread, affecting the kitchen and other parts of the home before being extinguished. Unfortunately, the damage was extensive and required major repairs. Fires like these are stark reminders of the importance of practicing safe cooking habits, keeping a fire extinguisher nearby, and being cautious when dealing with open flames or hot oil. A fire claim can be one of the most challenging to navigate due to the emotional and financial toll it often takes on homeowners.

Fortunately, all of the above incidents refer to people who had insured their park home with Park Home Assist. This meant that their claims were handled swiftly and sensitively by our award-winning claims team. If you’d like any information about park home insurance, you can reach us by calling 01604 946 785. We’re here to answer any questions, and ensure you feel confident and supported with your insurance every step of the way. 

This is a marketing article from multi-award-winning Park Home Assist.

Please note that all insurance cover is subject to acceptance of terms and conditions.

To stay up to date with similar topics like this, please like and follow us on Twitter, LinkedIn or Facebook. For more information about any of our other insurance products, please choose your product of interest below:

Published – 03/01/25