How you can avoid filing unnecessary home insurance claims.

As a homeowner, you don’t want to pay more for your home insurance than you have to.  One of the best ways to keep your insurance costs down is by limiting the number of claims that you file.  The best way to avoid unnecessary insurance claims is by maintaining your home and paying particular attention to areas where damage is most common.  Here are some of the common sources of home damage to keep an eye on.

  • Your Roof

If your roof begins to leak or collapses completely, then this will be a pricey insurance claim.  To prevent this claim event, you should keep up with basic roof maintenance, such a routine gutter cleaning and shingle replacement.  You should also be sure to remove dead limbs and trim overgrown branches on the trees that overhang your home’s roof.  This will prevent your trees from causing roof damage during a windy or stormy day.

  • Your Water Heater

Water heater leaks result in countless insurance claims every year.  To ensure that you do not need to file such a costly claim, you should have your water heater inspected and serviced by a professional on an annual basis.  You should also inspect your water heater regularly for signs of leakage or corrosion.  As water heaters have an average lifespan of about 8-12 years, you should consider replacing your unit when it’s nearing old age.

  • Your Fireplace

Many homeowners forget to maintain their fireplaces throughout the year.  Unfortunately, this can cause flammable debris to build up in their fireplace and chimney.  This poses a serious fire risk for the home.  The best way to avoid this threat is by maintaining a regular chimney cleaning schedule and following proper fire-starting and extinguishing practices.

Take care of these common sources of home damage to avoid filing unnecessary insurance claims.  Do you have more questions about your home insurance?  If so, then contact the experts at the Scavone Insurance Center in White Plains, New York today.

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