It is important to understand that homeowners’ insurance doesn’t cover everything, such as poor maintenance of the property. Let’s check out 9 tips provided by PropertyCasualty360 to help save you money and worry!
- Caulk where needed – This can help keep moisture out to avoid water damage or mold.
- Clean clothes dryer lint trap and exhaust duct – This can prevent dryer fires caused by lint catching fire within the heating element or duct.
- Inspect and repair the roof – If aging or damaged shingles are the cause of a damaging leak, the insurance may not cover the claim.
- Test and clean the sump pump and pit – Water damage due to sewer and drain backups are not covered by a standard policy. You will need additional insurance coverage.
- Inspect and clean chimneys yearly – The National Fire Protection Association states that unclean chimneys are the leading cause of structure fires. Improper cleaning can also lead to potential carbon monoxide, fumes and soot entering into the home.
- Clean and maintain gutters and downspouts – Clogged gutters can cause water to seep down sides of the home and its foundation causing uneven floors, cracked walls and interior water damage.
- Check for termites every couple of years – Get your home inspected periodically, as termites can cause major structural damage.
- Regularly main pipes and plumbing – homeowners’ insurance does not cover pipe wear due to old age or poor care. Look for cracks and leaks that may need to be repaired. Also, know where the main water shut-off valve is located in case a pipe may burst.
- Inspect your deck – simple upkeep can prevent deck collapses, which has increased over the past few years.
If you have any questions about your homeowners’ coverage, please contact 410-213-5600 to review your policy.