Stay Ahead of the Unexpected
We’ve seen it all — and we’ve picked up some tips along the way to help you steer clear of claims in the first place.
A few Habits That Prevent Most Claims
1
Water
Stop water damage before it starts
- Check washing machine and dishwasher hoses regularly — they can fail after five years.
- Check your automatic icemaker for leaks; turn it off and empty the bin when you plan to be away for a while.
- Install water leak and freeze detectors for early notification.
- Turn off the house water supply before a prolonged vacation.
2
Weather
Get ahead of weather and your roof
- Inspect your roof for needed repairs before the bad weather season for your area.
- Follow your local authorities' guidance about securing your home if you are evacuating ahead of a fire or storm.
3
Security
Deter intruders — and earn a credit
- Consider installing an alarm system. It can discourage an intruder and you may receive a premium credit on your policy.
4
Be Prepared
Plan ahead with a home inventory
- Catalog the principal contents of each room, including date and price of purchase.
- Photograph items or take a video of each room — don't forget the closets.
- Attach receipts to your list; photograph them with your phone for an electronic file.
- Keep your inventory in an electronic file you can access away from home.
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