Claims (and How to Avoid Them) Questions

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Can you imagine this?

What should I do after I report the claim to my insurance company?

What to do if you find yourself with a floor covered in standing water?

What is the #1 cause of home insurance claims in Florida?

One out of every 10 water-damage claims can be traced back to a malfunctioning hot water tank or washing machine.

Other simple steps to reduce your chances of water damage are:

Take the drip discovery tour: http://www.safeco.com/insurance-101/consumer-tips/drip-discovery-tour
What is the average lifespan for household appliances?

What is the most common type of homeowners’ insurance claim?

When you think about it, water is an integral part of your home. Typically 60% of the space in your house has either an appliance or fixture that uses water or has plumbing running in the wall.  Each of those appliances and fixtures, and even the pipes, represents an opportunity for a water leak that can lead to serious water damage.

The best way to prevent serious problems is to perform routine maintenance on appliances and to be aware of water where water shouldn’t be.  Here’s a short list of things to watch for:

  • If you notice an inexplicable increase in your water bill, try this. Make sure all of your faucets are off and turn off the water supply to your toilets. Go to your water meter and if the dial or needle is moving showing water usage you most likely have a leak somewhere in the house. Do the quick survey steps shown below.
  • Look for water where water shouldn’t be like under the sink (kitchen and bathrooms), refrigerator, washer, hot water heater, forced air furnace and on floors along baseboards.
  • If you have bathrooms on the second floor, look at the ceiling of the rooms directly below them. Stains on ceilings and walls anywhere in the house indicate a leak.
  • And then there’s the obvious leaky faucet but don’t limit your inspection to the kitchen and bathrooms. Check the connections for the hot water heater, toilets, ice maker, dish washer and clothes washer as well.

Now you should have at least one suspect location to explain your higher water bill. Fortunately many leaks are of the DIY repair variety but for those that have created stains in the ceiling and wall you’re going to want a professional both to detect and repair the leak and ensure that the area is completely dry to preclude mold growth.

What is a sinkhole and what’s the big deal about sinkhole claims?

How do I find a good contractor to repair the damage to my home after a claim?

Professional contractors want you to evaluate who you hire. So here are some questions to ask: