Preventable Homeowners' Insurance Claims

12/4/2017 (Permalink)

We’re very fortunate that many homeowner losses are preventable. But because homeowners’ insurance may not pay a claim that could have been avoided with proper maintenance, it pays to take care of your home. Below is an example of preventable claims and tips on making sure that you avoid these issues.

• Washing Machine mishaps
• Its recommended that you replace your washing machine hoses every three years and inspect them regularly
• Leaks in your bath tub and shower
• Grout and caulking can decay or develop cracks over time. This will allow water into the walls and/or floors. Its recommended that you inspect and maintain your seals every year
• Toilet Issues
• Improperly installed and leaking toilets. Make sure that you regularly check that the seal of your toilet is not worn out and that there is not any water around the base
• Refrigerator water supply leaks
• The water lines that connect to your fridge can cause extensive home damage. The lines to your fridge should be checked regularly for kinks
• Roof Leaks and collapses
• Basic maintenance is key to a longer roof life
• Chimney and fireplace fires
• Dirty or plugged chimneys can cause fires. Implement fire safety best practices and maintain a regular cleaning schedule
• Hot water heater leaks
• Small leaks that go unnoticed can quickly turn into a major claim. Make sure to regularly inspect the water heater and the pipes around the unit for leaks, moisture, mold, buildup and corrosion
• Electrical Fires
• Make sure to check for loose-fitting plugs in electrical outlets and avoid overloading outlets
• Cooking or candle fires
• Cooking equipment is one of the leading causes of home fires injuries. Candles and cooking equipment should be monitored closely.
• Furnace issues
• Have your furnace inspected regularly and have a professional make any repairs
• Dishwasher leaks
• You should check all hoses for sign of wear and tear every three months. Ensure that you are cleaning your dish washer to prevent buildup and clogs that could potentially cause leakage later on

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