Common and Preventable Homeowner Claims

Written by LakevilleInsurance on . Posted in Uncategorized

Most homeowner claims result from negligence or as the result of a component of the home deteriorating. Your best bet in preventing a claim is to perform routine maintenance and never ignore a developing problem. Implement the following preventative measures and precautions to keep your home safe and accident-free:

  1. Kitchen fire – The majority of fire losses originate in the kitchen due to food that is left unattended on the stove or grease ignition. Never put out a grease fire with water. Use baking soda or flour instead.
  1. Careless smoking – Always pay attention to how cigarettes are discarded. Do not discard cigarettes in trash cans where other debris can ignite.
  1. Candles – Never leave a room with an unattended, lit candle.
  1. Fireplace ashes – Never discard ashes in a combustible container or store them in or around the house or garage. Ashes can remain active for days and combust when fuel and air are introduced. Store ashes in the yard away from your home, or introduce water into the container to ensure that the embers are extinguished.
  1. Dryer fire – Every year you should clean the lint build-up from under your clothes dryer. The motor can ignite the lint if too much lint accumulates.
  1. Washing machine hose – Check the washing machine hoses annually for dry rot, cracking, and tightening. Hoses should be replaced every couple of years. The water to the unit should be turned off when not in use.
  1. Refrigerator ice maker line – Often these lines become pinched and start to leak. This causes damage to the flooring material and cabinets. Check the lines annually.
  1. Valves to sinks and toilets – As your home ages, you should continue to check all plumbing fixtures and connections. Look for corrosion and rust around valves. If your home is over 20-years-old, consider having a plumber check and replace all connections and hoses.
  1. Theft of property from vehicle – Do not leave valuable items in plain view inside your vehicle. Use the trunk instead.
  1. Ice dams – Make sure your gutters are free of debris in the spring and fall to ensure that water can run off the roof and down gutter drains. If you have several inches of snow on your roof, consider shoveling back the first few feet to allow the snow above to melt and drain from the gutter. Be safe and do not endanger your safety by doing this from the roof. Use a ladder instead.
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