Water Damage

Preventing Water Damage

Water damage can devastate a home. Even a small amount of water can cause issues. And with Spring Showers in full effect, preventing water damage is on the top of many minds. Water damage can occur in many ways. Let’s review the most common scenarios and tips for prevention.
  1. Pipe Burst – Typically this occurs during the winter when a pipe freezes, then bursts due to expanding ice in the pipe. Be sure to keep pipes insulated or wrapped with heating coils if exposed to cold air.
  2. Valve failure – Sometimes plumbing valves fail. And when they do, a lot of water can enter your home. While this isn’t something you can prevent, you can limit damage by knowing where the main water shut off is. If it isn’t easy to access, then see if a plumber can relocate it to an easy-to-access location for quick shut off.
  3. Water heater leaks – Water heaters will fail. The typical lifespan of a glass-lined water heater is 8-12 years. And if you have hard water, it may be even less. As a water heater ages, the glass liner will crack and develop a slow leak. The leak will intensify over time, eventually spilling all the water. If your water heater is over 8 years old, have it inspected annually and consider replacement.
  4. Sump pump failure – Life expectancy for a sump pump is about 10 years. If your pump is approaching 10 years of service or older, just replace it. It’s good insurance.
  5. Rain penetration – Leaking roof, windows or siding can allow rain into your home. Be sure to have the exterior of your home inspected every couple of years. If the roof is over 20 years, have it inspected and then determine how often to follow up based on the condition. Look for cracks and gaps and caulk and seal them if needed. Keep gutters clean and free of blockages.
  6. Leaking shower or tub – Inspect your tub and shower for missing grout or caulk. Any gaps could allow water to seep into the walls and cause damage. Older tiled showers need to be regrouted and sealed, so have yours inspected if the grout appears to be missing or cracking.
Insurance claims for water damage are among the most common home insurance issues. To prevent your insurance rates from climbing, take precautions with inexpensive maintenance and inspections to prevent water from causing problems in your home. To learn more about preventing water damage, contact your independent Provident Insurance agent. We serve Plainfield, Greenwood, Avon, Brownsburg, Indianapolis, Carmel, Zionsville and the entire central Indiana area. Stop in one of our convenient locations to discuss your insurance needs today.