Prevent a Claim
We’ve seen a lot and have a few ideas to help you avoid claims altogether.
Prevent a Claim
Tips to prevent a claim
- Inspect your roof for needed repairs before the bad weather season for your area.
- Check your washing machine and dishwasher hoses regularly. Hoses can deteriorate after five years and are a common cause of flooding. If you’re going on a long vacation, turn off the water supply for these appliances.
- Check your automatic icemaker occasionally for leaks. Turn the icemaker off and empty the ice bin if you will be away from home for a while.
- Consider installing an alarm system. This can discourage an intruder and you also may receive a premium credit on your policy.
- Install water leak and freeze detectors to provide early notification and reduce potential damage.
- Turn off the house water supply before taking a prolonged vacation.
- Follow your local authorities’ guidance about securing your home if you are evacuating in advance of a fire or storm.
Most policies not only cover the structure of your house but the contents as well. That’s why it’s important to make a detailed inventory of what’s inside your home. Recovering from an emergency event will be a lot easier if you:
Catalog the principal contents of each room, including the date of purchase and purchase price.
Attach receipts for items to your list of contents. You can photograph the receipts with your phone if you are keeping an electronic file.
Photograph items or take a video of each room. Don’t forget the closets – replacing bulging wardrobes can be costly!
Keep your inventory and other records in an electronic file that you have access to when you are away from home.