Avoiding Water Damage Losses in Your Home or Condo….Must Read

water-damage-home“From torn washing machine hoses to burst pipes, it’s no wonder that water damage is among the leading causes of homeowners’ claims across the country.

Anyone who has ever dealt with a water issue at home or been involved with a water loss claim can speak to the devastation. The loss is typically greater than the property that is destroyed.”

With so many SWFL homes and condos sitting unoccupied for various lengths of time, it is important to have your customers understand the risk associated with not shutting off the potable water supply to the plumbing system of their home. Water damage claims from a plumbing break can be devastating and can happen at any time. Losses are more likely to happen when you are not home and the damage will typically be more extensive.

Help your customers understand where the main water shut off for their home or condo is located. Make sure they know where the shut off valves for each plumbing fixture and appliance is located, Being able to get to the shut off quickly can reduce damages. This is particularly important for multi story homes and condos.

If the home or condo is 10 years or older, always recommend that the shut off valves be inspected and replaced. The quality of the water can cause deposits in shut off valves causing them to not operate. These valves are typically not turned at all, unless there is an emergency or a fixture needs repair. These valves are typically the weakest link in the plumbing system.

The condensate drain and catch pan for the air conditioning system is another potential cause of water damage. This system should be cleaned and inspected at least once per year to avoid problems. Many condensate systems utilize a shut off switch to monitor excess water in the drain catch pan and shut the system down. This switch should be inspected and replaced if not working. This switch can make the difference in avoiding water damage, which can be serious depending upon where system is located.

Technology advances have created devices to shut off the main water supply when a major drop in pressure is detected. Some devices can send a text alert to your phone. Learn more at Auto Shut Off Devices. Condominium associations with multi story buildings should consider having auto shut off valves installed in all units due to the potential for extensive losses affecting multiple units.

Your Homeowners Insurance Policy may have water damage coverage, check closely. If coverage is included or endorsed to the policy, the limit of coverage will typically be $5,000. This being the case, it is even more important to be pro active in preventing a water damage loss.

Questions…Need a Homeowners Policy competitive premium quote… Call SWFL Insurance Agency, Inc., 239-265-9577 info@swflagency.com………www.SWFLAgency.com