Home Safety and Loss Claims Prevention

August 10, 2011 at 9:21 AM | Posted in Home | 1 Comment
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Homeowner insurance is meant to cover the catastrophic loss of an unforeseen incident. Unexpected accidents happen, but with a little due diligence, claims can be prevented.  The following are a few tips to help you prevent some common claims.

Inspect your washing machine hoses – Over time, washing machine hoses will bulge with the pressure of the water and can burst, pouring up to 650 gallons of water per hour out of a singe 3/8” hose. That’s more than 2 ½ tons of water per hour. The best way to avoid this is to shut off the water valves to the machine when you are not doing laundry. There are also burst free washing machine hoses available.

Clothes dryer vent – Lint and debris building up in your clothes dryer vent may cause your dryer to exhaust at less than optimum efficiency, creating hazardous conditions including exhaust fires from lint buildup. If a gas dryer is improperly vented or blocked carbon monoxide could be forced back into your home. The Chimney Safety Institute of America recommends that CSIA Certified Dryer Exhaust Technicians® (C-DET) perform dryer vent inspections on an annual basis to ensure efficient operation of your system.

Chimney Maintenance When having your gas or wood burning stoves and chimneys cleaned and inspected each year, also have your furnace chimney cleaned. Whether you have a gas or oil furnace, both systems are subject to weathering, animal invasions, deterioration, rust-out, and the accumulation of nest materials and debris. Oil flues need to be cleaned annually because deposits of soot may build up on the interior wall of the chimney liner, and today’s high efficiency gas furnaces pose a special problem. The fumes they produce can cause condensation that makes the flues more prone to corrosive conditions. This is especially important if you have a new gas furnace hooked up to an old chimney.

Electrical Safety – Electricity is a leading cause of home fires in the U.S. Inspect all electronic equipment, including fans, space heaters, etc., for frayed or damaged cords on a regular basis. Extension cords should only be used on a temporary basis and surge protectors should be used when multiple items are plugged into the same outlet. Appliances that generate heat should be given several inches of clearance all around for good air circulation and cooling. Never drape clothes, toys, or other items over warm appliances. Unplug appliances when not in use and make sure you always have a working fire extinguisher in the home.

Protect yourself and your family from the heartbreak and risk of a catastrophic loss. Take the time to make a list of any potential exposures you may have within your home and take the necessary steps to prevent an unforeseen accident.

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  1. […] Home Safety and Loss Claims Prevention « Protector Group Insurance The best way to avoid this is to shut off the water valves to the machine when you are not doing laundry. There are also burst free washing machine hoses available. Clothes dryer vent – Lint and debris building up in your […]


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