As your insurance representative, The Hansen Agency LLC, serving Washington, PA, wants you not only to have adequate home insurance protection but also to know how to prevent damage in the first place. Water damage can be costly and disruptive. By taking steps to prevent it from occurring, you’ll be ahead of the game!
1. Detect Leaks Early
Water damage sometimes happens gradually, giving you a chance to catch problems early on. If you notice drips or water spots around your home, don’t ignore them. Investigate further to see if there might be a leak.
2. Clean Gutters and Downspouts
Clogged gutters can cause rainwater to overflow and seep into your home’s foundation, resulting in water damage to the basement or walls. Clean your gutters and downspouts at least twice a year to keep them free from debris. Make sure downspouts are directed away from the house.
3. Consider a Sump Pump
If you live in an area known for frequent rain or a high water table, installing a sump pump can help prevent water from accumulating in your basement.
4. Insulate Your Pipes
In colder climates, such as Pennsylvania, frozen pipes are a common cause of water damage. Insulate your pipes, especially those in unheated areas like the attic, basement, or crawl spaces.
While prevention is key, accidents still happen. Homeowners’ insurance typically covers water damage caused by sudden and accidental incidents. Note that most policies do not cover damage from flooding caused by external water sources, such as heavy rains or natural disasters. For protection against flooding, you’ll need a separate flood insurance policy, available from your insurance representative at The Hansen Agency LLC, serving Washington, PA. Contact us to learn more!
