Claim Prevention

Your insurance company recognizes that good policyholders will have occasional claims. However, many policyholders are unaware that a claim involving serious negligence or more than one claim in a three (3) year period can be reasons for the insurance company to terminate coverage. There are actions you can take to prevent claims:

  • Inspect your roof for repair before the rainy season begins
  • Check your washing machine and dishwasher hoses. Hoses can deteriorate after a 5 year period
  • If you have an automatic ice maker, check on it occasion for leaks.
  • Turn off the water supply prior to taking a prolonged vacation
  • Address plumbing problems before they cause major damage
  • Providing obedience training for your dog(s) may help prevent injury to others
  • Consider installing an alarm system. Even a local alarm system has the potential to discourage a possible intruder. You can also receive a premium credit on your policy.

Plan Ahead

If the unthinkable happened and your home burned to the ground, you would have to replace not just the house-but all of its contents. Your life will be a lot easier if you've made a detailed inventory of what's actually inside your home. 

  1. Catalog the principal contents of each room, including the date of purchase and purchase price. If you still have the sales receipts, attach them to your list. 
  2. Write down the serial numbers on major appliances, and engrave an identification number-such as your social security or drivers license number-on the bottom of televisions, stereos, and other electronic equipment. Inexpensive engraving kits are available at most hardware stores. 
  3. It's wise to also photograph items or make a video of each room. Don't forget the closets-replacing bulging wardrobes can be costly! 
  4. Keep the list, together with photographs and/or tapes, in a safe place away from your home. Update it when you make major purchases to your home.