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Home Insurance Tips: Water Damage Prevention

Steps Homeowners Should Take to Prevent Loss Due to Water Damage

As one of the most common and costly risks faced by homeowners, water damage can often be prevented. Rising waters, wind-driven rain, burst pipes and sewer back-ups are some of the most common types of losses due to water damage.

One of the best ways to prevent water damage loss from common causes of water damage is to properly maintain your home and address any needed repairs as soon as possible:

  • Periodically inspect your roof. Fix or replace missing shingles or tiles.
  • Periodically inspect faucets, water lines and hoses. Replace if cracks and/or leaks appear.
  • Periodically inspect pipes. If cracks or leaks are detected, have them repaired as soon as possible.
  • Regularly inspect sinks, tubs and showers. Make sure caulking and seals are watertight. Re-caulk every 3-4 years, or if gaps develop.
  • Be familiar with your main water shut-off valve - know how to shut it off. Should a pipe burst, knowing how and where to shut off the main water supply can help limit potential water damage.
  • Stay at home when running appliances such as the dishwasher or washing machine.
  • Never leave a bathtub filing without keeping an eye on it.
  • Consider installing an emergency pressure relief valve to protect against increased pressure which can cause pipes to burst, and freezing pipes.
  • Consider installing a backwater valve to prevent sewage back-up.
  • Seal and caulk all windows to guard against water seepage from rain.
  • Remove debris from rain gutters and downspouts.
  • Direct downspouts away from your home.
  • Paint water-sealant around basements; repair cracks in stucco and exterior coatings.
  • Adjust sprinklers to avoid accumulated water damage to walls, or foundation.
  • In winter, drain outside hoses and water pipes to prevent damage from freezing.
  • Avoid landscaping with trees and bushes close to pipes.
  • Remove trees and shrubs that have become too large to prevent roots form damaging pipes.

Homeowners are still at-risk for water damage, even after taking precautionary steps to prevent it.

Homeowner Insurance Check-Up

Homeowners Insurance can serve as a safety net to prevent a financial disaster should you experience water damage. Review your policy and contact your insurance agent to discuss coverages, limits and endorsements which can provide funds to repair your home in the event you experience a covered loss.

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Ask Your Insurance Agent

Ask your insurance agent about optional coverages to protect from losses due to water damage. Most homeowner policies do not cover damage from flooding. Consider purchasing Flood Insurance prior to the rainy season.

With Armor Insurance as your home insurance agent, we can guide you on types and amounts of insurance coverage you might need in the event of water damage. Please contact Armor with questions about your home insurance policy. If you’re not an Armor customer, request a home insurance quote and get the great Armor customer service and expert guidance you've been missing!

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