Water is 10x more likely to damage your home than fire

Make sure you understand your homeowners insurance!

Make sure you understand your homeowners insurance!

Did you know that water is 10 times more likely to cause damage to your home than fire?

It is extremely important to understand your Rochester homeowners insurance coverage and how your policy will respond to various types of water damage.  As you can see below, there are many areas of your home that are susceptible to water damage and all insurance policies do not provide the same types, or limits, of coverage.  Make sure you talk with an insurance agent in order to fully understand how you are protected.

Here are 8 tips to help you protect your home from the most common causes of water damage:
1. Know where the main water supply is in case of emergency.
2. If you will be away for an extended period of time, shut off the water supply and drain the pipes.
3. Consider having your air conditioning system inspected regularly by a professional.  Check the drain lines annually and clean them if they are clogged.
4. Inspect water heaters, showers, tubs, toilets, sinks and dishwashers annually, and have them repaired if there are any signs of leaks or corrosion.  When possible, install water heaters in an area with floor drains to minimize damage if leaks should occur.
5. Check caulking around showers, bathtubs, sinks and toilet bases, and make repairs as needed.
6.  If your refrigerator has an ice machine or water dispenser, the hose between the wall and the refrigerator should be made of braided copper, which will help with cracking and corrosion.
7.  Check pipes for cracks and leaks.  Have minor pipe damage fixed immediately to prevent much costlier repairs in the future.
8.  Check appliance hoses and plumbing fittings for breakage, crimping or bending.

 

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