How to Prevent Water Damage

September 2018

If you think about water damaging your home, you might conjure up an image of a hurricane, torrential rain or other natural catastrophe. The unfortunate reality is that damage that's caused when ordinary household appliances fail can be just as destructive as an extreme weather event.

According to the Insurance Industry Institute, water damage accounts for billions of dollars in losses to homeowners and renters each year. It is also responsible for about 25% of all property insurance claims. In fact, data suggests that water is 10x more likely to damage your home than fire.

Fortunately, there are steps that you can take to help prevent water damage from appliances, and protect your home. 

Household appliances do not always offer warning signs until the damage has already occurred. That is why it is important to check them regularly. The simple steps below can help you protect your home from the most common causes of water damage:

 

  • First, know where the main water supply is located in case of emergency.

  • If you will be away from home for an extended period, shut off the water supply and drain the pipes. During the heating season, if your home is heated by an older steam heating system, consult with your heating professional to determine if it is safe to turn off the water supply for your particular heating system. Also, if your home is protected by a fire sprinkler system, do not turn off the water to this system, and maintain sufficient heat to prevent a freeze-up.

  • Inspect water heaters, showers, tubs, toilets, sinks and dishwashers annually, and have them repaired if there are any signs of leaks or corrosion. When possible, install water heaters in areas with floor drains to minimize damage if leaks should occur.

  • Check caulking around showers, bathtubs, sinks and toilet bases, and make repairs as needed.

  • If your refrigerator has an ice machine or water dispenser, the hose between the wall and the refrigerator should be made of braided copper, which has greater cracking and corrosion resistance.

  • Check pipes for cracks and leaks. Have pipe damage fixed immediately to prevent more costly repairs in the future.

  • Check appliance hoses and plumbing fittings for breakage, crimping or bending.

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