Did you know one of the most common insurance claims made by homeowners is water damage? Winter months bring freezing temperatures and frozen pipes. And undetected leaks or bursts pipes can cause hundreds or thousands of dollars in damage.

We suggest new homeowners inspect water pipes before winter weather really sets in, particularly in colder parts of the country, and colder parts of the home. Are they in an enclosed and heated area? If so, when temperatures dip below freezing be sure the heat is on and the thermostat is set to maintain the area at forty-five degrees or above. Are the pipes exposed or located in an exterior wall? If so, is it possible to enclose the area or insulate the pipes to prevent them from potentially freezing and bursting? There are lots of winterizing products available for various applications, just always be sure to use these products according to their instructions and safety guidelines.

When insulation or heat tape may not be enough, we’re lucky to have access to technology. Temperature and flow monitors, leak detectors, emergency shut off systems or other technology can help detect and prevent problems before they even happen. Where leaks may go undetected, even an inexpensive leak detector can give you peace of mind.

Here’s a great tip from one of our agents, too. Always hire a house sitter when you’re going to be away. They may catch a problem BEFORE it becomes too big and prevent you from coming home to an unpleasant and costly surprise.

Your home is likely one of your most valuable assets. If you’re worried about what your homeowners’ insurance covers should a leaking or burst pipe cause water damage somewhere in your home, give us a call. We’d love to review your policy, explain what is and isn’t covered, and help you make any necessary changes to protect your investment.