These home insurance claims can be entirely preventable.
When most people think of home insurance claims, they often associate them with major disasters such as hurricanes, fires, and tornadoes. In these situations, there isn’t much that the homeowner can do to avoid disaster. Fortunately, many homeowner losses are entirely preventable. Here are just a few of the most common claims that can be prevented.
- Washing machine mishaps
Ideally, you will replace loose or damaged washing machine hoses every three years and inspect the machine frequently for irregularities. If possible, situate your machine in an area where you can detect water issues right away.
- Roof leaks and collapses
Basic roof maintenance is a must. Gutter cleaning and shingle replacement help to protect your roof and home from water damage. Check overhanging tree branches and trim them away from the roof, and regularly check for loose or missing shingles.
- Electrical fires
Avoid electrical fires in your home by checking for loose-fitting plugs in electrical outlets, avoid overloading outlets, and ensuring no cords are frayed or cracked.
- Cooking or candle fires
Always take care when cooking, ensuring to stay in the kitchen the stove or oven are in use. Place candles out of reach of pets and children.
- Theft and vandalism
There are many great ways to prevent theft, but some of the most common practices are to install motion-activated lighting around the property, install a security system, and keeping doors and windows locked at all times.
Take a moment to review your homeowners insurance policy to ensure you have optimum coverage. To safeguard your home and belongings, call the team of professionals at Unisource Insurance Associates.