Having water where it should not be can be one of the biggest threats to your home. Water damage can be caused by many things, including improper plumbing, leaking appliances or just bad weather. A smart homeowner knows how to check for water leaks and other problems, and what to do if there is a problem.
Common Water Issues:
If there is a leak or pipe problem anywhere in your home, it will not always be obvious. This is why it is a good idea to regularly inspect areas where water damage often occurs. Here are some places you should check regularly:
- Openings such as windows and doors, where water can seep in if there is a problem with the seal or with the opening itself
- Washing machine and dishwasher hoses and areas [1
- Roofing and exterior walls
- Bathrooms, toilets and shower / bathing areas
- Under carpet and floors
- Water heaters
- Attic, crawl spaces, basements and any other areas that are not used as often.
Take your time and look for leaks or water stains around your home at least a few times a year. In addition, you should always do a thorough inspection of your home after a storm or other weather event.
Ways to prevent water damage:
Regularly inspecting your home for water damage is a good place to start, but there are also things you can do to prevent major damage from occurring in the first place. These include:
- Have your plumbing, appliances, ceilings and other important areas inspected professionally to identify potential problems.
- Use insulation and other measures to prevent pipes from freezing in winter.
- If you notice a leak, or if your water bill is unusually high for a month, check immediately.
Insurance and water damage:
In many cases, your homeowner's insurance covers damage to your home and property. if pipes defects or something else unexpected goes wrong. However, if you have not taken the time to maintain your water systems, appliances and other areas where damage may occur, your insurance may not apply. In addition, damage caused by floods is not usually included in a regular homeowner's insurance. If you live in an area at high risk of flooding, talk to your insurance agent about purchasing a separate flood policy.
Make sure you understand exactly what type of damage and property is covered by your insurance, what your responsibilities are as a homeowner and always report potential claims immediately.
Whatever you do, do not ignore water damage. Sometimes what seems like a small problem can mask a bigger problem. Even if it is not, water damage that is not fixed can cause an extremely dangerous situation that becomes much more difficult and expensive to repair later.
For questions about home insurance, call or contact Keller-Brown Insurance Services today.