Insurance Advisor at Oliver L.E. Soden Agency, Inc

Tips for Preventing Water Damage in the Home

Many homeowners don’t think about getting water damage in the home - until it’s too late. Unfortunately, water damage is one of those things that home insurance doesn’t always cover, so it pays to be proactive. If you notice a leak, don’t ignore it. Just one small drip can lead to thousands of dollars of damage to replace drywall and carpeting and remove mold.


Let’s discuss the best tips for preventing water damage in the home.


Have Your HVAC System Checked


Most HVAC manufacturers recommend having your system inspected once a year. You can save money by signing up for a maintenance plan with your local HVAC company. Once or twice a year, depending on your plan, a technician will come out to the home and inspect the equipment to make sure everything is operating properly.


Things like dirty coils and broken thermostats can lead to moisture and leaks, which won’t be covered by home insurance. Plus, having your system regularly maintained ensures a comfortable, efficient home with lowered utility bills. Don’t forget to have high-efficiency furnaces and central humidifiers checked as well.


Pay Attention to Your Appliances


Appliances are another potential source of leaks. Issues such as faulty connections, corroded materials or cracked hoses are usually the culprits, which is why inspecting your appliances is an important part of home maintenance. Most homeowners policies cover sudden appliance failures, but ongoing problems are not included.


The appliances that you should have on your radar include the water heater, dishwasher, washing machine and refrigerator. Your water heater should get professional attention once a year, while your other appliances should be pulled out from the wall every so often to inspect the hoses. If you notice cracks or kinks, replace the hose. In fact, it’s recommended to replace these hoses every 3-5 years.

Keep an Eye on General Plumbing

The bathroom can be a big problem when it comes to moisture because water and steam routinely run in this room. If you have a leak coming from your sink, toilet or tub, your homeowners policy likely won’t cover it. This is why it’s necessary to inspect your bathroom pipes for condensation or corrosion. Also pay attention to strange, musty odors because this could be a sign of mold growth.


Call a plumber in if you notice anything strange in your bathrooms, such as stains on the ceilings or walls, a backed up toilet or frequently clogged sinks. Plumbers can check for corroded pipes and serious blockages that could be causing these problems.

Leaks, moisture and slow drips are issues that you don’t want to ignore. They almost always indicate a greater problem going on that needs immediate attention. If you let the problem linger, you could be faced with costly repairs that your insurance won’t cover. To learn more about what a typical home policy covers in terms of water damage, call Hal Soden.