As Seen in The Builder’s Daily: Beyond the National Number: What Builders Need to Know About Today’s Insurance Market
National insurance trends don’t always tell the full story. In this article, Christi Burkhardt, VP of National Sales and Growth…
Prevent A Claim
We’ve seen a lot and have a few ideas to help you avoid claims altogether.
Prevent A Claim
We’ve seen a lot and have a few ideas to help you avoid claims altogether.
Tips To Prevent A Claim
- Inspect your roof for needed repairs before the bad weather season for your area.
- Check your washing machine and dishwasher hoses regularly. Hoses can deteriorate after five years and are a common cause of flooding. If you’re going on a long vacation, turn off the water supply for these appliances.
- Check your automatic icemaker occasionally for leaks. Turn the icemaker off and empty the ice bin if you will be away from home for a while.
- Consider installing an alarm system. This can discourage an intruder and you also may receive a premium credit on your policy.
- Install water leak and freeze detectors to provide early notification and reduce potential damage.
- Turn off the house water supply before taking a prolonged vacation.
- Follow your local authorities’ guidance about securing your home if you are evacuating in advance of a fire or storm.
Plan Ahead
Most policies not only cover the structure of your house but the contents as well. That’s why it’s important to make a detailed inventory of what’s inside your home. Recovering from an emergency event will be a lot easier if you:
- Catalog the principal contents of each room, including the date of purchase and purchase price.
- Photograph items or take a video of each room. Don’t forget the closets – replacing bulging wardrobes can be costly!
- Attach receipts for items to your list of contents. You can photograph the receipts with your phone if you are keeping an electronic file.
- Keep your inventory and other records in an electronic file that you have access to when you are away from home.
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