When Water Goes Where It Shouldn't

Even a small water leak can become a major problem, so knowing what you're covered for and how to prevent water damage are equally important. The tips below should help uncover any potential water problems down the road and keep your property dry.

1. Check appliance hoses. Standard hoses are not as durable as they used to be. Replace rubber hoses with steel-braided hoses. This is a low cost fix that can save thousands in water damage.
2. Broken tiles in the shower can allow water to leak into the walls or floor. Replace cracked tiles and re-grout when needed. Note that homeowner's insurance will not cover damage caused by continued seepage; insurance responds for sudden and accidental occurrences, not homeowner maintenance issues.
3. Run dishwashers and washing machines only when you are home. If a leak occurs, you can turn the appliance off right away.
4. When on vacation, shut off the main water supply to your house. No one wants to return home to standing water.
5. Keep the storm drains near your house clear of leaves and debris. In winter try to avoid piling snow atop the drains, which could cause standing water to collect on your property.
6. Install a gutter guard. This prevents debris from clogging your drains, and can also prevent flooding by water that isn't carried away from the house.
7. Install a water pressure gauge. An inexpensive gauge can prevent damage caused by water pressure that is too high. Pressure should be between 60 and 80 PSI.
8. Check your downspouts. Make sure that the drains are well connected to your gutters, and that there is a path for the water to flow away from your foundation. Do not allow water to be directed to regions of your property that are not visible, such as behind an AC unit cover or beneath the deck/landscaping. If you wish to use rainwater to irrigate your landscaping, make a rainwater collection barrel. If water begins to pond beneath your flower beds, you could cause water to enter your home.

It's important to remember that your standard homeowner's policy does not come with coverage for flooding. If you live in an area that is prone to standing water after heavy rains, you should contact your agent for a flood quote today. If you liked these leak prevention tips, check out our other "home hacks" by clicking here!