Protect Your Home: Be Ready for Water Damage Season

Water damage to your home is no joke, and it’s in season all year round. Whether it’s frozen pipes bursting in the winter or water backups during a power outage, these issues can wreak havoc on your property. As insurance agents serving Albany, Schenectady, and Saratoga, we’ve witnessed some eye-opening facts that highlight the importance of being prepared:

1. A Costly Lesson in Frozen Pipes

Imagine coming back from a relaxing two-week vacation only to find your entire house totaled due to frozen pipes. That’s exactly what happened to one of our clients. NYCM Insurance stepped in and paid out over $750,000 for the damages. The root cause? They had forgotten to turn off the main water line in their basement before leaving. The result? A burst frozen pipe ran unchecked for days, causing massive and costly damage.

2. Beauty Shop Nightmare

In another unfortunate incident, a beautician was at home (upstairs) when a rubber hose connected to a sink suddenly broke during the night. Water gushed out for an astonishing five to seven hours before it was detected. The repair cost? A hefty $125,000.

Now that we’ve seen these real-life scenarios, let’s explore some essential ways to avoid similar claims and protect your cherished home:

Tips to Prevent Water Damage

1. Vacation-Proof Your Home: Whether it’s winter or any other time of the year, if you’re going on vacation, don’t forget to winterize your home. Turning off the main water supply can save you from potential disaster.

2. Upgrade Appliance Hoses: Regularly replace appliance hoses every five years, and opt for steel-braided hoses whenever possible. These durable hoses can withstand wear and tear, reducing the risk of leaks.

3. Sump Pump Maintenance: If you have a sump pump, make it a yearly ritual to test it. Consider installing a battery backup system to keep it running even during power outages.

4. Monitor Your Water Bill: Keep an eye on your water bill. A sudden spike could be a sign of a small leak that needs immediate attention.

5. Know Your Main Water Valve: Locate your main water valve and familiarize yourself with how to turn it off. In case of an emergency, quick action can prevent extensive damage.

6. Water Heater Check-Up: Don’t forget to inspect your water heater annually. It’s worth noting that 75% of water heaters fail before reaching 12 years of age.

By following these practical steps, you can significantly reduce the risk of water damage to your home. Remember, being prepared is the key to protecting your property and your peace of mind. Don’t wait until it’s too late – take action today to safeguard your home against water damage. Your wallet and your home will thank you!

Whole house auto shut off example:

Safe hoses for your home:

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