Water Damage—The Most Common Insurance Claim

Water damage is one of the most common and costly issues homeowners face, often leading to insurance claims. However, with proactive measures, you can significantly reduce the risk of water damage and avoid the hassle of filing claims.

How to Prevent Water Damage Claims

The following are some strategies you can use to help prevent water damage in your home:

• Perform regular maintenance and inspections. Regularly inspect your plumbing for leaks, corrosion and other signs of wear and tear. Pay special attention to areas under sinks, around toilets and near water heaters. Inspect appliances like washing machines, dishwashers and refrigerators for leaks. Replace old hoses and perform routine maintenance as recommended by the manufacturer.

• Install water detection devices. Install water leak detectors near potential problem areas such as under sinks, behind appliances and in basements. These devices can notify you of leaks before they cause significant damage. Consider installing an automatic shutoff system that detects leaks and cuts off the water supply to prevent substantial damage.

• Ensure proper drainage. Verify that gutters and downspouts are clear of debris and functioning correctly. They should channel water away from your home’s foundation to avoid water buildup. Additionally, grade your yard to slope away from your home. This helps prevent water from pooling around the foundation, which can cause leaks and structural damage.

• Seal areas prone to leaks. Inspect the seals around windows and doors and replace any damaged or worn-out weather stripping to prevent water intrusion during heavy rains. Additionally, seal any cracks in your basement walls and foundation.

• Monitor and maintain your roof. Routinely check your roof for any damaged or missing shingles and repair them promptly.

Learn More

Contact Lupton & Luce to discuss your insurance today. We can help manage the financial impact of water damage to your home.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.