Protect Your Home from Water Damage This Winter

Protect Your Home from Water Damage This Winter

Water damage is a terrible and expensive accident to happen in your home. However, it can be even trickier and more annoying when it happens in winter. Not only is it more difficult to dig around for a burst pipe in the cold ground, but it is also more difficult to detect the problem in the first place.

Photo: Barbara Davis

However, you can do a few things to ensure that your home is safe from water damage this winter. If you need more information about water damage, consult this handy article

Turn Off Your Water Before You Go Away

Even if you are leaving for a short time, you should turn off your water supply. This piece of advice is particularly important to people whose areas freeze over for extended periods of time. If the water in those pipes freezes, it will expand and ultimately break the pipe. Once it thaws, the point where the pipe burst will become the leak.

You may stay unaware of this leak for a long time, which will cost you both in water bill and in potential damage which you can’t prevent. However, if your water is off, you will be safe from this kind of damage.

Get a Leak Detector Device

Even the smallest leak can escalate and cause serious damage over time if left untreated. Fortunately, there are devices which can help you catch a flood or any other type of water damage before it actually does any significant damage. There are also leakage detection services that can help you get to the bottom of your problem, quickly.

The simplest ones just measure the amount of moisture and warn you if something changes drastically. However, more advanced detectors can measure the water consumption of your household and notice if the consumption increases noticeably. This could be an indicator of a water leak. All you need to do is call in an expert and have it checked out.

Get a Water Line Checkup Annually

Just like with many other things in your house, your water pipes are in constant use throughout the year. Over time, this constant use can cause wear and tear. You can learn about that the easy way or the hard way. The hard way being when the water damage occurs.

However, an annual checkup will significantly lower the odds of any leaks happening. Professional plumbers have various tools and equipment which helps them identify potentially problematic areas and resolve the problems before they become too serious and cause you significant financial expenses.

Get Sewage Lines a Checkup As Well

Sewers tend to be out of our minds for the most part. And that’s a good thing. However, at times, sewer lines can get blocked for one reason or the other. Especially if you use a lot of disposable products, like wet wipes and flush them. Recently, London had a serious problem with that kind of situation.

However, you can prevent such a blockage happening in your part of eh line by simply adding a sewer inspection to your annual house budget. It is a relatively quick and non-invasive process which can determine the state of your sewer lines and detect any potential problems before they cause a mess.

Clean Your Gutters and Roof

Even though most people think that water damage only comes from your water pipes or sewer lines, they seem to forget the gutters. If your area is prone to strong rains or heavy snowfalls, you need to ensure that all the water which falls onto your roof has a place to go. Make sure that your gutters are both clean and large enough to support the flow.

When it comes to snow, your roof needs to be strong enough to support the additional weight of the snow as well as the volume of water created when the snow melts in the spring.


Tips When Filing an Insurance Claim for Your Home

Tips When Filing an Insurance Claim for Your Home

Keep your home and belongings safe by filing an insurance claim on your home. Here’s exactly how to do it the right way!

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One of the last thoughts on your mind should be your homeowner’s insurance company giving you a rough time regarding your insurance claim. Here are some simple tips when dealing with your homeowner’s insurance claim regarding damage sustained to your home.

Get Covered with an Insurance Company

If you had to evacuate due to substantial damage to your home and or dangerous living conditions, you probably did not have any time to grab essentials including, clothes for work and or school, toiletries, etc. These types of property may have been wholly diminished in a natural disaster and or fire. Contact your insurance company and ask that they reimburse your damages and to send a check to wherever you may be residing at the time. This is so that you may purchase your necessities without the need to wait for your full insurance coverage. Tip: If you’re area is prone to flooding, consider purchasing a sump pump to minimize the damage.

Always put your needs first, be sure to not go overboard on what you need, be courteous and practical with what your necessities are as many insurance companies will refuse or be frivolous with reimbursing you. For example, you need work clothes (slacks, dress shirt, etc,) don’t assume you will go to a high-end store in town to purchase these items. The advance will be deducted from your total insurance claim amount you will receive when the claim is completed, so be sure not to hurt your end claim amount.

Document all of Your Stuff

If you’ve just bought a house, make sure to document all of your belongings in case of a disaster. When a disaster occurs, it will be easy to list everything you have lost. This may take some time and effort from everyone in the household. You will want to be sure that when making this list you start as soon as possible so you can remember everything you have lost before filing your insurance claim.

Never throw anything away. It is always easier to prove that what you have lost was in the household at the time of the disaster and or fire. If you hold on to these items such as family belongings, or even home decor items until your Public Adjuster they may be added to your claim, which will be valid proof it was there and lost during the incident. This will help compensate the loss of all items in the home at the time of the incident.


Filing your claim as soon as possible is key. Most insurance companies will require policyholders to submit their claims as soon as they can. Contact your homeowner’s insurance agent and or company immediately to begin the claim process. The said insurance company will require to provide and submit “proof of loss claim.” The form which will include all items lost at the time of damage, and include their value. Your immediate action is most important if there were many homeowners affected within your area. If not done in a timely manner, you could be at the bottom of the list of insurance policyholders who have filed their claims.