Common home insurance claims and how you can prevent them from happening.
As a homeowner, it is your responsibility to secure comprehensive home insurance coverage. However, just because you have this coverage doesn’t mean that you want to use it. If you want to avoid filing unnecessary claims, then here’s what you can do to prevent three of the most common home insurance claim events.
1) Leaky Bathtub or Shower
Over time, the grout or caulk around your bathtub and/or shower can wear away, allowing water to seep into the walls or flooring of your bathroom. To avoid this significant water damage, you should frequently inspect and repair the seals around your tub and/or shower. Experts recommend completely resealing your tub and shower every year.
2) Fireplace Accidents
Many homeowners forget to maintain their fireplaces throughout the year. Unfortunately, this can cause flammable debris to build up in their fireplace and chimney. This poses a serious fire risk for the home. The best way to avoid this threat is by maintaining a regular chimney cleaning schedule and following proper fire-starting and extinguishing practices.
3) Theft and Vandalism
Many homeowners are forced to file insurance claims after their home is broken into or vandalized. To prevent your home and belongings from being damaged or stolen, you should install a security system to deter criminals. Installing bright outdoor lighting and surveillance cameras is another way to keep criminals away. Finally, make sure you close and secure all points of entry so burglars and vandals do not have an easy point of entry for your home.
These are three of the most common home insurance claims and what you can do to avoid them. Do you have more questions about your homeowners insurance? If so, then contact the experts a Gant Insurance Agency. Our dedicated team is eager to assist you with all your coverage needs today.