Water damage is one of the most common and costly disasters affecting U.S. residences accounting for billions of dollars in losses to homeowners and renters annually. In addition to water that comes from outside of your home due to weather events or flooding, water inside your house from leaking pipes or malfunctioning appliances can be equally destructive to your home.
Generally speaking, water that comes from the top down, such as rainfall, is covered by a standard homeowners insurance policy, while water that comes from the bottom up, such as an overflowing river would be covered by a separate flood insurance policy.
Inside Your Home:
- Inspect faucets and hoses that lead to water heaters, dishwashers, washing machines and refrigerator ice-makers, replace those with cracks or leaks.
- Inspect seals and caulking around showers and tubs, be sure they are watertight
- Shut off waters supply to washing the machine while on vacation and don’t leave the house while the washer or dishwasher is running.
- Know the location and how to shut off the main water valve in your home, seconds can mean gallons when a pipe bursts.
- Install an emergency pressure release valve in your plumbing system, this protects against increased pressure caused by freezing pipes.
- Inspect pipes, looking closely for cracks and leaks.
Outside Your Home:
- Caulk and seal windows
- Inspect your roof looking for missing, damaged and aging shingles.
- Check your downspouts, be sure that they are clear and position them to direct water away from the house.
- Check sprinklers and irrigation systems, turn off and drain before freezing.
- Install gutter guards to keep debris from clogging roof gutters and allow water to drain away from the house.
Even when you take every precaution, accidents can happen. Keep your home protected with the proper insurance. Call us at 401-846-9629 and we’ll help you to secure the perfect coverage for your home.