The main purpose of insurance is to protect you from catastrophic risks like fires, hail, and wind storms. Insurance is not designed to cover wear and tear or to act like a home maintenance policy. Claims that arise from maintenance issues will likely not be covered by your insurance carrier. The best way to avoid that situation is to maintain your home and lessen the chance of those losses from occurring. We have compiled a list of maintenance tips that could save you from future headaches and prevent major losses!
- Prevent fire damage by regularly checking and cleaning the lint trap and exhaust duct in your dryer. Over time, ling can build up. As it heats, it increases the likelihood of a fire.
- Inspect & clean chimneys to prevent fire or dangerous fumes from entering your home.
- Inspect your roof regularly and repair any damage. Look for lifting shingles, missing shingles or damaged shingles.
- Clean gutters and downspouts. Clogged gutters cause water to sit at the foundation of the home. This can lead to seepage which is not covered by your homeowners policy.
- Inspect your deck. Replace rotting or damaged wood. Ensure that the support posts are still sturdy and attached properly.
- Regularly check on pipes and plumbing fixtures looking for cracks and leaks. If you do undergo a water leak, turning off the water as soon as possible will prevent further damage.
- Maintain pest control. You don’t necessarily have to pay for monthly or quarterly visits but the cost of termite and pest damage can be extensive if not detected early.
- Seal possibly water entry points. Where water enters, water damages. Sealing off windows, doors etc. with caulk or the like can prevent water from entering your home in unwanted places.