Did you know that water damage is the most common home insurance claim in the Pacific Northwest, and that is proving to be true again in 2023.
Based on a recent study conducted by the National Association of Insurance Commissioners (NAIC), the most common home insurance claim in ID, WA, and OR in 2023 was for water damage. This was followed by claims for wind and hail damage, theft, and fire damage.”
Being a homeowner in the Pacific Northwest means being prepared for the unexpected. Water damage is one of the most common household problems, and it can be very expensive to repair.
“I’ve witnessed firsthand the devastating effects of water damage on homes. If you do these checks quarterly, you can significantly reduce the risk of water damage and protect your home.” – Yelena Goleta, Moses Lake Personal Lines Agent
Below we list some inexpensive steps you can take today to protect your home against water damage.
DIY checklist to protect against water damage in your home:
1. Know where your main water shut-off valve is located.
Familiarize yourself with the location of the main water shut-off valve in your home. This knowledge will be invaluable in case of emergencies, allowing you to quickly shut off the water supply to prevent further damage.
2. Inspect your plumbing regularly.
Inspect pipes under sinks, toilets, and appliances for signs of leaks, drips, or corrosion. Check for loose connections and promptly tighten any that are found. Replace worn-out washers or gaskets to ensure a tight seal.
Routine plumbing inspections are crucial for identifying potential leaks before they cause significant damage.
3. Insulate your pipes.
This will help to prevent them from freezing and bursting in the winter.
Freezing temperatures can lead to pipe ruptures, resulting in extensive water damage. Insulating pipes, particularly those in exposed areas or crawl spaces, helps maintain a stable temperature, preventing freezing and potential bursts.
4. Install a water alarm.
This will alert you to any leaks in your home, so you can catch them before they cause major damage.
Install water alarms under sinks, near water heaters, and in areas prone to moisture. These devices can provide early warning signs of leaks, allowing you to address them before they escalate into major problems.
5. Be careful when using appliances.
Overloading washing machines or dishwashers can strain plumbing systems, increasing the risk of leaks. Follow manufacturer recommendations for load capacities and ensure appliances are properly leveled to prevent water overflows.
6. Clean your gutters and downspouts regularly.
Clogged gutters and downspouts can cause rainwater to overflow, leading to roof damage, siding erosion, and potential foundation issues. Regularly clean gutters and downspouts to ensure proper drainage of rainwater away from your home.
7. Turn off the water supply to your home when you go on vacation.
This will help to prevent leaks from occurring while you are away.
Extended absences from home increase the risk of undetected leaks. Consider turning off the water supply to your home when you go on vacation or for extended periods. This precautionary measure can prevent leaks from causing damage while you’re away.
By implementing these DIY tips, you can significantly reduce the risk of water damage in your home and save yourself a lot of money in the long run. Remember, prevention is always better than cure, and these proactive measures can save you from costly repairs and potential headaches.
Additional Tips for Water Damage Prevention:
- Repair cracks in walls and ceilings promptly to prevent water seepage.
- Check hoses and faucets regularly for leaks and replace them if necessary.
- Monitor landscaping to ensure proper drainage away from the house.
- Elevate outdoor appliances, such as air conditioners and sump pumps, to prevent water damage from flooding.
Should you have any questions regarding your current coverage or want further information on these points, Basin Pacific Insurance is here for you. Contact us today at [email protected] and your agent will be in touch shortly.
For more information on the types of personal lines coverage offered by Basin Pacific Insurance, click here.
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