When you leave your home, there’s no guarantee that it will be there when you get back.

Unpredictable accidents can happen at any time. Gas leaks, burst pipes and extreme weather can rain destruction on a home in minutes. And while homeowners’ insurance is a reliable form of coverage, certain events may fall under coverages.

In a recent report from Travelers, researchers have identified the most common and costliest causes of home damage. The report examines eight years of Travelers’ national homeowners’ insurance claim data from 2009 to 2016 in order to inform clients about the biggest risks threatening their properties.

“By sharing the most common causes of problems we see, we hope people protect their most valuable asset,” Scott Humphrey, second vice president, risk control at Travelers, said in a statement.

With this in mind, check out the five most expensive causes of home property damage.

5. Weather-related water | 7% | Leaky roofs, frozen pipes that burst and ice dams can really take a toll. (Photo: iStock)
4. Wind | 17% | High velocity winds can uproot trees, damage roofs, collapse walls or worse. (Photo: Danielle Ling)
3. Non-weather related water | 17% | Plumbing, sewer or appliance leaks and failures can create devastating losses. (Photo: Shutterstock)
In 2017, Hail loss costs and severity increased slightly. However, Hail frequency decreased, particularly when compared to 2016, which was one of the worst years on record for hail damage claims. Texas accounted for nearly 25% of Hail claims in 2017. (Photo: Shutterstock)
Fire-proof window shades block radiant heat up to 2,000 ℉ as they protect windows and other items vulnerable to wildfire heat, flame and embers. These shades are customized to your window dimensions and can be installed with or without automated systems. (Photo: Shutterstock)


Related: 5 most common causes of home property damage