home insurance

Regular maintenance of your home will help prevent costly claims and make for a better experience in a claim situation. Overall property maintenance can affect how a claim is settled.  Here are some tips and tricks that may help avoid a potential claim:

  • Have a qualified roofer inspect your roof for worn shingles or shingles that may have blown off in a storm.  After 10 years especially, shingles can deteriorate substantially.
  • Clear eavestroughs and downspouts of leaves and debris. Buildup of leaves in the eavestroughs prevents water from getting away efficiently and can cause wood rot and water seepage. Properly installed downspouts direct water away from your foundation.
  • Having the septic tank pumped regularly will ensure the septic system functions properly and avoids a nasty backup into the house.
  • Pay attention to any evidence of water seepage in and around the foundation.  Gradual seepage is not covered under a property policy and can result in mould issues if the problem is not addressed in a timely manner. Mould is also excluded from a property policy.
  • Regularly check the sump pump. A battery backup unit is good prevention.
  • If the home is hooked to town sewers, a check valve installed in the sewer line can prevent a serious backup.
  • Plumbing taps and shut-off valves do wear out and should be replaced when evidence of wear appears.
  • Appliance hoses installed on a dishwasher or washing machine can get brittle after time. Check these items for wear and/or ruptures.
  • Regular furnace maintenance is essential not only to keep the furnace functioning efficiently, but also to avoid a breakdown and potential frozen pipes.
  • If the home has aluminum wiring, this should be checked by a qualified electrician. This type of wiring may need updating or maintenance. An electrical safety inspection may be required.
  • Good housekeeping practices reflect responsible home maintenance, as well.