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How to Avoid Home Insurance Claims

The best way to avoid home insurance claims is by preventing damage.

No one wants to overpay for their homeowners insurance.  The best way to keep your home insurance costs down is by avoiding unnecessary claims.  The best way to accomplish this is by keeping up with home maintenance and preventing common forms of damage.  Here’s how you can avoid common home damages.

  • Roof Leak and Collapse

If your roof begins to leak or collapses completely, then this will be a pricey insurance claim.  To prevent this claim event, you should keep up with basic roof maintenance, such a routine gutter cleaning and shingle replacement.  You should also be sure to remove dead limbs and trim overgrown branches on the trees that overhang your home’s roof.  This will prevent your trees from causing roof damage during a windy or stormy day.

  • Water Heater Leaks

Water heater leaks result in countless insurance claims every year.  To ensure that you do not need to file such a costly claim, you should have your water heater inspected and serviced by a professional on an annual basis.  You should also inspect your water heater regularly for signs of leakage or corrosion.  As water heaters have an average lifespan of about 8-12 years, you should consider replacing your unit when it’s nearing old age.

  • Electrical Fires

To prevent electrical fires in your home, you should replace any missing or broken wall plates, so you don’t leave wiring components exposed.  You should also avoid overloading wall outlets and power strips as this too could spark a fire.  Finally, watch out for appliances or electronics with frayed or cracked cords as this could pose a fire risk, especially if they are in contact with flammable items like carpeting or furniture.

Avoid these common types of damage to reduce the number of home insurance claims that you file.  Do you need assistance with your home coverage?  If so, then contact the experts at Scautub Agency in Scotia, New York.  We are ready to assist you with all your home coverage needs today.

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