Your laundry room, basement, and roof are almost as likely to have water damage and leaks as your bathrooms and your kitchen are. So, what can you do about it?
Check your washing machine hoses often for moisture around the ends of the hose and signs of cracking or weak spots. The hose should be replaced as often as is necessary, but this shouldn’t be more than every three to five years.
The water heater in your home can pose problems, as well. If there are areas of rust on the tank or wet areas in the floor nearby, you might have a leak on your hands. Hot water heaters should be located in the lowest level of your home possible, preferably the basement, and always next to a floor drain. If it has to be installed on upper floors, it should be installed inside a large drain pan and the water directed to a drain in the floor. This way, if it begins leaking, it won’t damage your floors or any area of your home on the next floor down.
Your air conditioner collects condensation and each one should have a drain pan line to direct the water collected by your air conditioner.
Outside your home, any low spots around your house’s foundation should be filled in so that water drains away from the house and not toward it and end up seeping in through any flaws in the structure. Caulking around windows and doors should be inspected; if it is cracked or missing anywhere, it’s best to remove it and completely re-caulk it.
The area round your roof should be draining properly and if it’s not, water seeps into the wood and causes it to rot. A leaky roof can be a definite cause of water damage and is another thing that is not uncommon. Keep your gutters and downspouts free from leaves and other debris that can prevent the water from leaving the roof efficiently. Don’t walk on your roof unless you have to for repairs and it could be wise to invest in a roof preservative to help limit the amount of water your roof sponges up. Wood soaks up water pretty easily and if you want to prevent water damage to your home, it’s a good idea to get a sealant for wooden areas of your home that are exposed to the elements.
Showing posts with label homeowners. Show all posts
Showing posts with label homeowners. Show all posts
Friday, January 18, 2008
Water Damage and Your Homeowner’s Insurance
Not surprisingly, water damage is one of the most frequent causes of home insurance claims. Not many people like having to discover what is and what isn’t covered by their home insurance policy, but that’s often the way that it goes. A pipe bursts in the basement or an appliance such as a clothes washer or dishwasher begins to leak all over the floor while you’re gone on vacation and all of a sudden you find yourself wondering if you’re covered.
For example, if a pipe were to burst in the home due to a drop in temperature and you had left the home vacant and without the heat necessary to keep the pipes from bursting, you might not be covered. They could possibly deny you due to the fact that you did not take the necessary action that would have prevented the event.
If your bathtub overflows, you should be covered, even if it’s just because you were on the phone or tending to another matter in the house and simply forgot to turn off the water.
In most cases if a major household appliance such as a washer or a dishwasher suddenly malfunctions and water spews all over the floor and causes damage, you are covered by your homeowner’s insurance. You’ll have to pay for the cost of fixing the washing machine or dishwasher yourself, but any damage caused by the water itself should be paid for by your policy.
If the cause of the damage is heavy rain and the water leaks through the roof or floods into the basement and the house itself and items inside it are damaged, you should be covered for the cost of the water damage to the interior of your home. The damage to the belongings inside your home is probably not covered, however; if the roof leak was caused by a tree limb falling on the house, then the damage to your furniture, roof, and interior should be covered to a reasonable extent.
One of the major causes of water damage to homes, however, is usually not covered. This is a flood. Unless you have an insurance policy that specifically identifies a flood as a source of damage to the home, you aren’t covered. Flood insurance needs to be purchased from the federal government and your local community should be able to give you information as to whether or not they participate in the National Flood Insurance Program.
For example, if a pipe were to burst in the home due to a drop in temperature and you had left the home vacant and without the heat necessary to keep the pipes from bursting, you might not be covered. They could possibly deny you due to the fact that you did not take the necessary action that would have prevented the event.
If your bathtub overflows, you should be covered, even if it’s just because you were on the phone or tending to another matter in the house and simply forgot to turn off the water.
In most cases if a major household appliance such as a washer or a dishwasher suddenly malfunctions and water spews all over the floor and causes damage, you are covered by your homeowner’s insurance. You’ll have to pay for the cost of fixing the washing machine or dishwasher yourself, but any damage caused by the water itself should be paid for by your policy.
If the cause of the damage is heavy rain and the water leaks through the roof or floods into the basement and the house itself and items inside it are damaged, you should be covered for the cost of the water damage to the interior of your home. The damage to the belongings inside your home is probably not covered, however; if the roof leak was caused by a tree limb falling on the house, then the damage to your furniture, roof, and interior should be covered to a reasonable extent.
One of the major causes of water damage to homes, however, is usually not covered. This is a flood. Unless you have an insurance policy that specifically identifies a flood as a source of damage to the home, you aren’t covered. Flood insurance needs to be purchased from the federal government and your local community should be able to give you information as to whether or not they participate in the National Flood Insurance Program.
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