SMART INSURANCE TIPS
Water damage to a home is one of the most common types of insurance claims. Your home is vulnerable to water damage all year round. While it’s impossible to completely prevent water-related losses, these tips will help minimize your risk:
1. Have your roof inspected periodically and clean your gutters and drains regularly.
2. Perform regular maintenance on appliances including water heaters, dishwashers, ice makers, refrigerators and air conditioners.
3. Install metal braided hoses to your washing machine with an overflow pan beneath it. Rubber washing machine hoses are one of the leading causes of water damage in homes, as rubber hoses can dry, crack and eventually break.
4. Install a condensate pump and float switch on your air conditioning unit.
5. Drain the water from your faucets, and manually shut off the main water supply before leaving for vacation.
6. Have someone regularly check on your home while you are away, especially during cold weather.
7. Install a water leak detection system that automatically shuts-off the main water supply and activates a central station alarm or sends an alert to your smartphone.
8. Install a low temperature monitoring system that activates a central station alarm.
9. Speak with your insurance advisor about the water damage-related coverages that your policy provides, such as “Water Back-up and Sump Discharge or Overflow” and “Mold Remediation.”
10. Consider buying flood insurance even if your home is not near a body of water or in a hazardous flood zone. It’s important to protect your home against flooding from heavy rain.