Insurance is a useful tool most people rely on for their homes, cars, and healthcare. But there are many “hot spots” or places that potential accidents and injuries can occur and potentially be prevented. Insurance claims are just one part of what we deal with here at the Flood Medix, but what can we do to lessen them? Today we will be giving you 9 things to help keep you, your home and your family safe. Read on for more information on preventing insurable losses!
Water can seep in undetected for days, weeks, or even months. This causes mold, mildew, and structural damage. Proper roof maintenance will keep water out and also help prevent unnecessary increases in the work done by your HVAC system.
A too-full lint trap can lead to dryer fires, as can a clogged air duct. Ensure that the systems of your dryer are working well and remain clean, and for best practice, empty your lint trap after every single use.
Have your chimney (or wood stove) cleaned every year to prevent buildup of soot. This is also a good time to check for any small cracks or damage to your fireplace itself, which can cause problems when burning. You should also make sure you never burn unapproved items in your fireplace such as magazines, treated wood, or plastic.
Plumbing is, of course, a common cause of flooding and leaks in the home. Don’t be afraid to have your pipes inspected regularly if you suspect any issues, and keep an eye on high risk spots. These can be places like your toilet, underneath sinks, and anywhere you use hosepipes.
Cooking fires can be prevented by taking proper safety measures. Always dispose of grease or hot oil properly, avoid overcrowding ovens and stoves, and don’t leave cooking unattended. You should also make sure to keep your refrigerator and freezer up to date and keep an eye out for leaks.
Doors and windows
Doors and windows keep out intruders, weather, and anything you wouldn’t want in your house! As the seasons change, make sure to regularly check the seals on your windows and install a storm door or storm windows if necessary. You can also invest in a more secure lock, an electronic lock, or a home security system.
The biggest risk in garages is often mess and clutter! Not only are they a safety hazard for you and your family, leading to trips and falls, but a concern for fires. Proper cleaning and organization of these out-of-the-way places can prevent unfortunate outcomes with a little elbow grease and determination.
Tree limbs should be kept trimmed back, (especially if they are old are dead) to prevent damage to your roof. You should also make sure that any high-risk items are properly secured. These can be trampolines, pools, or even heavy yard equipment like porch swings or furniture.
Similar risks come with garages and basements- clutter and mess that can lead to accidents or preventable fires. In your basement you may also have a furnace, which needs to be cleaned and maintained annually. This will prevent “puffbacks” which are an accumulation of fuel vapors that can be extremely dangerous.
If you have questions about insurable losses in your home or are dealing with a current claim, contact the Flood Medix! Our expert team will be happy to help you out and get you on your way with as little headache as possible.
- the balance. “What is an insurance claim?”