21 Feb Protect Your Home From Water Damage
The average homeowners water damage claim is approximately $8000.00. Why so expensive? Great question. Remember the little slow leak from the ice maker attached to your fridge? It’s been leaking for several months, and over time its leaked under the floor boards, cabinets, and your dry wall has been soaking it up. Not to mention the mold you can see beginning to grow. Before you know it you are pulling up the floor boards, ripping out the dry wall behind the refrigerator, and pulling up the tile or vinyl on the floor. Now you have to dry it all out, so you rent a commercial heater to do that. You may even be forced to hire a mold remediation contractor to remove the mold from your home safety.
As you can see a little water damage claim can ad up quickly. Insurers do not like water damage claims, because they know these claims routinely cost more to repair than most consumer’s realize. The best thing you can do is to practice a little routine maintenance.
1. Keep your gutters clean so the water from your roof can run off into the gutters and away from your house.
2. Look at your roof make sure you have no lose or damaged shingles. Make sure the flashing around your chimney is tight. If you have leaks in the flashing or its been damaged repair it.
4. Caulk around windows and doors. You want to make sure water is not leaking down the window sill and down between the walls. Check the weather striping around outside doors, replace it if its worn.
5. Check outside faucets, make sure they are turned off and drained to protect against frozen pipes.Water could drain back into the house and between the walls if the pipe freezes.
6. Inspect hoses and faucets, look for cracked and worn hoses leading to washers, sinks, hot water heaters, dishwashers, ice machines, refrigerators, heat pumps, water purification systems, etc. anything that moves water in and around your home. Replace any worn pipes.
7. Check caulking around tubs, showers, toilets and sinks. You want them to be water tight, if you notice any leakage re-caulk.
8. Know how to shut off the water to your sinks, toilets and appliances like dishwashers and washing machines. You can prevent a lot of damage if you know where your shut off values are located.
9. Know how to shut off the main water supply to your home. A damaged pipe in the wall can send water cascading between your walls cause thousands of dollars of damage. If you know where this value is and how to shut it off you can protect your home from thousands of dollars of water damage.
10. Use an emergency pressure release valves where needed. These valves can protect your plumbing from the increased pressure that is caused by freezing pipes and help you prevent your pipes from bursting.
Water damage can happen any time of the year. Most homeowners and renters insurance policies will cover your loss from leaking or burst pipes. These policies will also provide you protection from wind driver rain or ice dams that may form on your roof. Some policies will provide coverage for sewer and drain backups, but many do not, so if you are not sure check with your agent.
Remember homeowners and renters policies do not cover flood damage. If your water damage is the result of flooding from a near by body of water there will be no coverage unless you have purchased flood insurance.
If you have any questions about your homeowners or renters insurance you can give Steve in our office a call 800-452-6826.
Have a great day.