05 Sep 2019
home repairman

Watch out for these common types of home insurance claims.

If you want to save money on your home insurance, then you need to keep your claims at a minimum.  Fortunately, there are many steps that you can take to prevent common types of claims.  Here are some of the precautions you should take around your home.

  • Preventing Fires

One of the most common types of home insurance claims are those related to fire damage.  In the home, electrical fire and kitchen fires are the most common.  To prevent electrical fires, you should avoid overloading wall outlets and power strips as this could spark a fire.  You should also keep an eye out for appliances or electronics with frayed or cracked cords as they could pose a fire risk, especially if they are in contact with flammable items like carpeting or furniture.  To prevent kitchen fires, you should make sure never to leave your oven or stove unattended while cooking.  You should also install a smoke alarm in your kitchen, so you are immediately alerted if a fire breaks out.  Finally, you should keep a fire extinguisher in your kitchen so you can quickly put out a cooking fire before it spreads.

  • Preventing Water Damage

Insurance claims for water damage are some of the most common.  Common sources of water damage include leaky roofs; broken appliances; and poorly sealed sinks, showers, bathtubs, and so on.  The best ways to prevent water damage is by inspecting these potential weaknesses.  If you notice signs of deterioration or minor leaks, then you should call in a repair person immediately.  The faster that you address damages and minor issues, the better your chances of avoiding a serious water damage claim.

These are some of the steps that you can take to prevent common home insurance claims.  Do you have more questions about lowering your home insurance risks?  If so, then contact the experts at Patterson & Associates in Richardson, Texas.  We are ready to assist you with all your coverage needs today.