What can you do when Mother Nature unleashes its wrath on Earth – when damage is caused to your home by punishing weather in the form of hail, wind, rain, and ice? How can you prevent other unforeseen circumstances like fire, leaky pipes, and theft? All homeowners should follow these trends to prepare for the unexpected –
Protect Your Home & Avoid These Top Homeowners Insurance Claims
Yes, you’ve bought the right homeowners insurance to protect your home from the unforeseen! But homeowners insurance may not pay if a claim could have been avoided with proper maintenance. Plus even though your homeowner’s insurance covers the expense of replacing some or all of your damaged property, you’ll still have the troublesomeness of fixing whatever went spoiled. This is why you need to do your bit to maintain your home. To avoid claims in the first place, this is what you should do –
Wind Damage
It is important to keep your home safe from strong winds. Here is how you can do it:
- Install a robust garage door
- Seal your roof deck
- Switch to windows and doors designed to withstand extreme
winds - Ensure proper tree maintenance
- Store your automobiles inside a garage or away from branches,
lampposts and power lines
Water Damage
Accidental discharge of supply lines or hoses from household appliances is a common reason for an insurance claim. To avoid such water damage, you should:
- Place a water sensor and alarm close to those home appliances
that use water - Set up an automatic shutoff system
- Monitor and replace old appliances and water heaters
- Caulk around toilets, sinks, and tubs
- Avoid pouring thick substances down your drains
Hail Damage
Plan ahead for hailstorms and avoid expensive, time-consuming repairs:
- Keep your roof in good condition
- Prune dry, dead, or weak tree and shrub branches
- Bring outdoor furniture indoors if a storm is on its way
- Clean your gutters and downspouts
- Protect windows by using permanent shutters
Rain or Snow Damage
Water in the form of rain or snow can damage your home. Here is how you can protect your home from such water damage:
- Remove snow from your roof before it piles up
- Keep your gutters and drainage system free of leaves, twigs, and debris
- Maintain your slope
- Use rain barrels
Theft Loss
Clearly, there can be more to deal with than just replacing stolen items when break-ins occur. To avoid this mishap, you must:
- Secure your house, garage, and garden shed with locks
- Install additional outdoor motion sensor lights
- Install a security system
- Keep a dog to help protect your property
Fire Damage
Fire damage to your home is extremely expensive and emotionally upsetting. Take these steps to prevent such a disaster:
- Install smoke detectors on each floor of your home and inspect
them regularly - Have a fire extinguisher on hand
- Inspect and clean the chimney
- Avoid keeping anything flammable around the stove or over
- Check for loose-fitting plugs in electrical outlets and avoid
overloading outlets - Stay safe and keep your most important investment protected!
Woodhome Insurance
Home – Auto -Business
(410) 580-2800
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