A lot of insurance claims are a result of water damage. Even a small leak can become a major problem. Knowing what you’re covered for and how to prevent water damage are equally important. Most hidden water leaks that happen over a long period of time are not covered by the standard homeowner’s policy. They are a listed exclusion. On the other hand, a sudden burst of water (such as a broken pipe), is normally a covered loss.
The following tips should help you uncover any potential water problems down the road and keep your property dry.
- Check appliance hoses. Standard hoses are not as durable as they used to be. Replace rubber hoses with steel-braided hoses. This is a low cost fix that can save thousands in water damage. When not using the washing machine, make sure you turn off the water connection. Especially if you will be gone.
- Broken tiles in the shower can allow water to leak into the walls or on the floor. Replace cracked tiles and re-grout when needed.
- Run the dishwasher and washing machines only when you are home. If a leak occurs, you can turn the appliance off right away.
- When on vacation, turn off the main water supply to your home. Be familiar where it is located in case you need to turn it off in a sudden emergency.
- Keep storm drains near your house clear of leaves.
- Install a gutter guard. This can prevent a rooftop disaster caused by drain clogs, and also prevents flooding by water that isn’t carried away from the house.
- Install a water pressure gauge. An inexpensive gauge can prevent damage caused by water pressure that’s too high. Pressure should be between 60 and 80 PSI.