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How To Take Care Of Your Home To Avoid Homeowners Insurance Water Damage Claim Denials

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Many homeowners have suffered the unfortunate incident of having a homeowners insurance claim denied after filing for coverage for water damage. Homeowners insurance does not cover the cost of repairs to damage that occurs due to the neglect of maintenance on the house. If you do not take care of your home, the insurance company will likely deny claims for water damage that occurs. Here, you will learn how to avoid costly, uncovered water damage to your home.

Keep the Gutters Clean

Much of the roofing and eave damage can be avoided simply by keeping the gutters free of debris. This is because when the gutters are full of debris, the water backs up into the eaves and under the shingles on the edges of your roof. During the winter, this can be particularly damaging. The water that backs up from the gutters, freezes under the shingles and loosens them, which allows for even more water to back up underneath them. Eventually, the wood in your roofing will rot and water will begin to seep into the walls and ceiling inside your home.

Clean your gutters a few times each year. If you live in an area where leaves and tree limbs are a big issue on your roof, look into installing the gutter guards that prevent the leaves and limbs from becoming jammed up in your gutters.

Winterize Outdoor Faucets

The faucets you use all spring and summer to water your lawn and wash your car must be winterized to prevent the lines from freezing and bursting inside your home. In some cases, insurance companies can deny the claim for interior water damage if the lines burst because the homeowner has not winterized the outdoor faucets leading to the damage.

Winterizing the faucets is easy. Simply turn off the water supply to the faucets, open the faucet and let the remaining water run out of them. Turn off the faucet and you are done.

Inspect Appliance Connections

If your appliances leak water because you have failed to inspect the connections and hoses from time to time, you could potentially have a claim denied for water damage. Every year or so, pull the dishwasher out of its position and check the water lines and drain lines for any signs of wear and tear. Do the same with your refrigerator, washing machine and any other appliance that requires a connection to a water source.

Taking these preventative measures can help you avoid the expensive and time consuming repairs caused by water damage. The minute you notice any water damage, contact your local water damage restoration team like Wetherington Restoration & Remodeling Inc for an immediate inspection and repairs.


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