Depending on the area where you live, if you have experienced frequent heavy rain and flooding in or around your neighborhood, it may be a good idea to check your home insurance to see if it is water tight. Water has become the top cause of home-insurance claims, and insurers continually make changes to their policies to adjust. They’ve reduced coverage or raised deductibles for sewer backups in some cases, while also introducing coverage against what’s known as overland water. That means water from heavy rainstorms or, in some cases, overflowing lakes and rivers. If you’ve owned a home for any length of time, you know water is your enemy. Whether you own a new or resale home, you run the risk of water damage from water originating inside your house, or outside of it.
There are many ways that you can protect your home against the threat of water damage, and by doing this, you can save yourself the inconvenience of repairs and claims.
Install Water Alarms:
They work like smoke detectors but warn of leaks from toilets, water heaters, overflowing baths and sinks. Simply place near any water source and a high-pitched alarm alerts you to water leaks.
Connect an eavestrough downspout extension:
Extend the eavestrough at least 6 feet from foundation walls to prevent water from draining into your basement, and direct it towards the street.
Rain barrels keep rainwater out of overloaded storm sewer infrastructures and provide you with water for your garden. Check if your municipality has a program that offers subsidies for a rain barrel purchase.
Install braided stainless steel hoses wherever possible:
These hoses cost around $20 and are less likely to deteriorate than plastic hoses. Dishwasher and washing machine hoses should be inspected and replaced every 3-5 years.
By considering one or a few of these alternatives in your home or business, you can really decrease your chances of having water damage or flooding occur. At Schwegel Insurance, we pride ourselves on providing our customers with as much information about insurance coverages as possible. Feel free to continue browsing through our website for more information about various insurance coverages and products. We can also be reached at 519-576-2020 or at firstname.lastname@example.org