Okay, so maybe they’re not quite up there with losing weight, spending less money, or inching closer to living your dream — whatever that may be. But avoiding unnecessary Homeowners’ Insurance claims can prove to help your family reach financial goals and maintain personal safety, while giving you more of that one resource of which none of us ever seem to have enough: Time.
While Homeowners’ Insurance can give you the peace of mind that comes with knowing that if some unavoidable natural disaster occurs, your possessions will be able to be replaced, you really aren’t served well by having to file unnecessary insurance claims. Not only will your rates go up, but you’ll also have to take the time to fill out paperwork, meet with an insurance adjuster, and identify the damaged items — some of which just may be irreplaceable.
So instead of potentially adding that headache to your new year, why not take these simple steps to reduce your risk.
1. Replace Your Washing Machine Hose
Over time, that rubber hose that came with your once-new washing machine will reach its breaking point. Leaking or burst washing machine hoses lead to water damage in homes each year, but the destruction they cause can easily be prevented by simply replacing the hose every 3 years.
You can also increase the lifespan of your washing machine hose by opting for a metal one, the next time around.
2. Reseal Caulking Around Your Bathtub or Shower
Unlike most of the other types of unnecessarily made insurance claims, this category isn’t usually covered under a typical homeowners’ policy. Since it’s constantly subjected to water, bathroom caulking or grout can easily decay and crack, allowing water to seep through floors or walls, rotting the wood structures of your home.
In order to avoid that kind of water damage, you should maintain seals annually to make sure water stays inside the shower. You should also keep your shower curtain or door closed to avoid getting water outside the unit, and wipe up any spills daily, as they occur. It’s also best to address any leakage problems with your toilet or any other plumbing before they get out of control.
3. Always Remain Near Indoor Flames
Cooking fires and flames from decorative or celebratory candles can easily get out of control, especially if you step out of the room. If you’re unable to directly monitor a pot on a hot burner, a lit candle, or a burning log in the fireplace, then make sure to turn it off or douse the fire before leaving the room. Before you burn a fire in your fireplace for the first time this season, you should also make sure your chimney has been cleaned out, to avoid a chimney fire.
To find out more about Homeowners’ Insurance claims or to purchase new Homeowners’ Insurance Policy or update your existing one, please contact Nicholas Insurance. And have a happy and healthy New Year!
The Nicholas Insurance Agency, led by Greg Nicholas, is a family owned business serving the York county, Pennsylvania region. In the insurance business since 1981, Greg Nicholas helps families, businesses and individuals understand the value of different insurance products and make wise decisions when selecting the best insurance products for their specific situations.
Offering exclusively Allstate insurance products, the Nicholas Agency provides auto, homeowners, rental and landlord insurance as well as life & disability, recreational vehicle, motorcycle and personal liability insurance.
For more information, visit our two York, PA locations at Westgate Plaza or Northeast Shopping Center or call us at (717) 764-2024.
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