Avoid These Common Home Damage Issues

How you can prevent these home issues.home repair man

If you want to save money on your home insurance, then you need to limit the number of claims that you file every year.  Fortunately, staying vigilant and keeping up with routine maintenance can help you avoid common claim events.  Take these steps to prevent these common forms of home damage.

  • Roof Damage

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.

  • Kitchen Fires

Most household fires break out in the kitchen.  To avoid kitchen fires, you should make sure to never leave your oven or stove unattended while cooking.  You should also install a smoke alarm in your kitchen, so you are immediately alerted if a fire breaks out.  Finally, you should keep a fire extinguisher in your kitchen so you can quickly put out a cooking fire before it spreads.

  • Theft and Vandalism

Many homeowners are forced to file insurance claims after their home is broken into or vandalized.  To prevent your home and belongings from being damaged or stolen, you should install a security system to deter criminals.  Installing bright outdoor lighting and surveillance cameras is another way to keep criminals away.  Finally, make sure you close and secure all points of entry, so burglars and vandals do not have an easy way to get into your home.

These are some of the most common types of homeowners insurance claims and what you can do to prevent them.  Are you looking for further assistance with your home coverage needs?  If so, then contact the experts at Miller Carlisle Insurance Services today.