When most people think of homeowners insurance, they think of major catastrophes like hurricanes, wildfires and tornadoes. In reality, plumbing, electrical and appliance failures are more likely to result in homeowners insurance claims – many of which are preventable with early detection and repair. Here are the 7 common homeowners insurance claims that are preventable.
1. Toilet Issues: Homeowners insurance claims related to toilets are fairly common, and often preventable. Toilet clogs can lead to overflows and water damage, while loose or damaged toilets can cause leaks. Regular maintenance and inspection of your toilet can help prevent these issues.
2. Loose or Damaged Washing Machine Hoses: Washing machine hose failures are one of the most common causes of water damage in homes. These hoses should be inspected regularly and replaced if they are showing signs of wear or damage. If you have plastic hoses, these should be replaced every three years.
3. Refrigerator Leaks: Refrigerator leaks can cause extensive water damage, especially if they go unnoticed for a long period of time. Check your refrigerator regularly for any signs of leaks and be sure to clean up any spills immediately.
4. Hot Water Heater Leaks: Hot water heater leaks are another common cause of water damage in homes. These leaks can often be preventable by regularly checking the condition of your hot water heater and its connections. If your hot water heater is more than five years old, have it inspected yearly by the pros at Carolina Cool.
5. Electrical Fires: Electrical fires are one of the most dangerous types of fires that can occur in a home. They are often caused by outdated or damaged electrical wiring. To prevent these types of fires, it is important to have your home’s electrical system inspected by a professional on a regular basis. Also, unplug appliances or devices when not in use and never hide cords underneath rugs.
6. Cooking Fires: Cooking fires are another common type of fire that can occur in homes. They are often caused by cooking equipment that is left unattended or by grease build-up on stovetops and ovens. To prevent these types of fires, it is important to never leave cooking equipment unattended and to regularly clean your stovetop and oven.
7. Bathtub/Shower Leaks: Bathtub and shower leaks can often be preventable by regularly checking the condition of the caulking and seals around your tub or shower. These leaks can cause water damage and mold growth, so it is important to address them as soon as possible. Water can get into the walls and beneath the flooring, causing serious damage if left unaddressed.
Being observant and regularly checking for issues with your plumbing, electrical and appliances can help prevent most of these 7 common homeowners insurance claims. If you notice any issues with your plumbing or electrical system or simply need an inspection for peace of mind, call Carolina Cool.
