Avoid the Most Common Home Owner Insurance Claims
Most homeowners think that insurance will pay for damage that occurs to their home. One thing that is not always understood is claims can have negative consequences. Too many claims are often the cause for a home insurance Ft. Lauderdale policy to be canceled. Homeowner insurance who take steps to protect their home can avoid many common claims.
One of the most common claims filed by homeowners is for water damage. Water damage occurs to a home from rain and the backup of a sewer or drain. A separate endorsement is needed on a policy if it needs to cover water damage to a home. Homes with older sewer pipes need to be cleaned to keep them free of debris and can lead to backups. Tree roots are a main cause of blockage in drain and sewer pipes for a home. Plumbers are able to treat pipes with foaming powder that removes tree roots.
Strong storms often result in wind and hail that can damage a home. Damage typically occurs when the shingles have blown off the roof. Wind can also cause debris to break a window or two. The best way for a homeowner to reduce damage from storms is to install storm windows and use hurricane clips. All outside furniture should be put inside to prevent it from blowing away.
House fires can have many causes but are often the result of frayed wiring and outlets that may have way too many connections. Homeowners can prevent fires in their home by making sure that the wiring has no damage and by not using extension cords as a permanent solution. A power strip is recommended if a single outlet is all that is available in a room. These will have a fuse to protect against overheating.
Winter is the time of year that slip and fall accidents often occur. These can easily be prevented by using salt and removing excess snow. Many cities have ordinances that require sidewalks to be cleaned. Shoveling sidewalks is a good time to make sure the walkways up to a house are free of snow and ice. Visit http://bestflins.com/homeinsurance.html for more information.