What preventative measures will protect your home?

• Outside: 

• • Clean the gutters and downspouts and check for damage.
  • Check the roof and siding for damage or leaks.
  • For hail events, park in a covered area or garage.
  • Prune your trees and shrubs.
  • Visually inspect trees for damage or rot and remove any dead trees that might blow over in heavy winds or storms.
  • On decks, repair loose or cracked boards. Wash with a cleaning solution and reseal if needed.
  • Repair any cracks and broken or uneven surfaces to provide a safer walking area.
  • Rake the leaves.
  • Know how to shut off your main water supply

• Inside:

• • Have your furnace inspected and change filters.
  • Inspect appliances like water heaters, dishwashers, clothes washers and other plumbing for signs of damage or leaks and have them repaired.
  • Have your AC unit serviced, clear debris away from the unit and change filters.
  • Check the clothes washer and dryer. Clean the clothes dryer exhaust duct, space under the dryer, and vent pipe.
  • Have your fireplace inspected and cleaned.
  • Always close and lock all windows and doors. Appear at home even if you are away with lighting.
  • Consider a home security system.
  • Change batteries on fire alarms and CO detectors every fall and spring.
  • Recaulk windows.
  • Check the attic for dampness, mold, insects, or animals.

Home insurance claims mistakes to avoid:

• Failing to read your Homeowners Policy
• Not having the right coverage
• Not having a home inventory
• Failing to maintain your property
• Poor communication
• Waiting to file a claim
• Failing to document the damage
• Cleaning up too fast

How to file a home insurance claim:

• Call the police if a crime has been committed.
• Call your insurance company. Be prepared with a description of the damage, details and documentation.
• Document the damage with photos or videos and notes.
• Make repairs to prevent further damage. It’s the homeowner’s responsibility to prevent damage from getting worse. You may need to hire a water remediation company or install a tarp on your roof. Ask your insurance adjuster for advice on this.
• Keep all receipts for repairs.