Karl Newman, President
Darrin Sanger, Communications Director
NW Insurance Council
Phone: (206) 624-3330
Fax: (206) 624-1975
Follow at Twitter.com/karljnewman
Regular home maintenance key to preventing water
damage, insurance claims
- If your home isn't properly maintained, it could be vulnerable
to one of the most costly Homeowners Insurance claims -
running or dripping into your home from the outside can
rot drywall and support beams, crack foundation walls and
Homeowners policies do not cover water damage unless it
is the result of a covered peril such as a broken water
pipe, fire or windstorm.
water damage claim costs more than $5,700. Water damage
accounted for 20.29 percent of all homeowner claims in 2006,
according to the most recent available data from the Insurance
from roof leaks, excessive condensation or poor landscaping
is excluded from coverage.
Homeowners Insurance policy is there to help you recover
from large losses and shouldn't be considered a home maintenance
policy," said Karl Newman, NW Insurance Council president.
"It's designed to cover sudden and accidental damage, not
damage due to gradual, preventable deterioration. Your insurance
company isn't responsible for the maintenance of your home
- you are."
news is most water-damage losses are easily preventable
by taking some simple maintenance steps. NW Insurance Council
and the Institute for Business & Home Safety offer these
tips to help you prevent future damage and thousands of
dollars in repair costs:
- Inspect your roof. Remove leaves, branches and debris
from gutters to prevent water blockage and possible
run-off into the home.
- If you find a leak, clean and dry the exposed area
and fix the problem immediately.
- Routinely inspect ceilings, walls, floors and windowsills
for water stains, discoloration and musty odors.
- Routinely inspect attics, vents, ducts, washer hoses
and outside water sources for leaks.
- Check and replace heating system air filters.
- Properly ventilate bathrooms and kitchens to prevent
a moisture buildup.
- Use high quality silicone caulk to seal areas where
cables or pipes exit walls, such as around clothes dryers,
kitchen or bathroom vents and outdoor electrical outlets.
- Routinely caulk bathtubs, sinks and tile walls and
floors to prevent water seepage.
- To reduce flooding from poor drainage or excessive
rainfall, clear drains of debris and make sure your
lot's grading directs water away from buildings.
brochures, Protect Your Home
From Water Damage and Maintenance
Guide For Your Home, contact NW Insurance Council
at (800) 664-4942 or visit www.nwinsurance.org.
Insurance Council is a nonprofit, public-education organization
funded by member insurance companies serving Washington,
Oregon and Idaho.