10 Simple Strategies to Prevent Homeowners Claims This Spring

Spring is here, and with it comes the possibility of damage to your home from storms, floods, and other natural disasters. As a homeowner, it’s important to be prepared for potential disasters and take steps to protect your home from harm. 

Homeowners insurance can protect your home and the possessions inside of it in case of damage caused by a covered event, like a fire, theft, or vandalism. It can also give you some peace of mind if someone is injured on your property, as it may provide liability protection. Furthermore, if you need to move out while your home is being repaired, your policy can cover the additional living expenses.

Homeowners insurance can be a great way to protect your home and property, but it’s important that you take proactive steps to reduce the likelihood of filing a claim. This can help you keep your premiums down and ensure that your coverage remains as effective as possible.

You can start your spring cleaning by completing some basic home maintenance activities to help improve safety and decrease the chances of having a homeowners claim. 


Home Exterior Tips

  1. Inspect Your Home for Damage – Take a few moments to inspect your home for signs of damage or wear and tear. Look for loose shingles, cracked windows, and other signs of possible damage. Make any necessary repairs to ensure your home is in good condition.
  2. Secure Gutters and Downspouts – Make sure your gutters and downspouts are securely attached to the home and free of debris. Clogged gutters can cause water to back up and damage your roof and other parts of the home.
  3. Have Your Roof Inspected – Have a professional roofer inspect your roof for any signs of wear and tear. If there are any problems, they can be addressed before they cause major damage.The winter weather can take a toll on your home’s roof. You’ll want to check it as soon as possible to ensure there are no missing or damaged shingles and signs of leaking or cracking.
  4. Seal doors, windows, and any holes – In the winter, it is common for small animals and insects to try to enter your home for warmth. You can purchase door and window seals from your local hardware store to fix any minor issues. If you’re having trouble finding them, most hardware stores offer knowledgeable staff that can help you find the right seals for your needs.
  5. Inspect deck or wooden fence – To help keep your deck or wood fence in a safe and secure condition, it’s important to inspect it on a regular basis for any signs of rot or deterioration. If you notice any spots that appear to be rotting or soft, it’s best to replace them as soon as possible. Failing to do so could cause an accident, resulting in an unpleasant visit to the hospital.
  6. Trim Trees and Shrubs – Trim any trees or shrubs that are close to your home. Fallen branches can cause roof and window damage during a storm. Doing so will reduce the likelihood of the tree branch falling during a storm and damaging your roof or vehicle. 
    • Clear Debris from Around Your Home – Remove any debris from around the foundation of your home. This includes leaves, twigs, and other objects that could be swept into the foundation during a storm.

Interior Home Maintenance Tips

  1. Clean your air conditioner and furnace filters, and air ducts – This will help your systems run more efficiently and reduce the risk of a clogged air duct causing a house fire. 
  2. Test your smoke and carbon monoxide detectors- To make sure they’re working properly to alert you and your family of disaster. 
  3. Have your plumbing checked regularly – To make sure there are no leaks or other problems. This should be completed by a certified professional. 
  4. Check Your Sump Pump – Make sure your sump pump is in good working condition. Test it by pouring a bucket of water into the sump pit. If it doesn’t turn on, have it serviced or replaced.

By following these simple strategies, you can help protect your home from damage this spring. Homeowners insurance can help cover any damage that does occur, but it’s always better to be prepared and take steps to prevent it in the first place.

Still have questions about what homeowners insurance covers or how you can better prepare your house for this spring? Contact us.

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