Hidden Home Insurance Dangers
Your insurance company has this notion that it’s your responsibility to look after your own home. Isn’t that what premiums are for? Well, no. Your home insurance contract stipulates that the insurance company indemnifies you for accidental and malicious damage to the home, and not damage caused by poor maintenance. In fact, often a home insurance claim has been rejected because the damage could have been prevented by proper maintenance. Here are 5 Hidden insurance dangers in your home.
1. Roof Leaks
Water damage to your home is almost always a result of poor maintenance. Water can seep in through a cracked roof tile and accumulate on the ceiling boards, weakening them and causing mould. The problem with such damage is that it started long before you noticed. Check your roof and ceilings regularly for water damage.
2. Windows and Doors
Sliding doors and windows without any form of burglar bars or burglar proofing are easy access points for intruders. Protect yourself from such intruders by means of an alarm system, bars, or electric fencing. Your home insurance company will recommend adequate security.
3. Tumble Dryer
According to a US consumer product survey, tumble dryers were responsible for 15,600 household fires in one year alone. The problem with them is that lint builds up in the filter, which quickly becomes kindling. Clean your dryer regularly to prevent this.
4. Kitchens
While tumble dryers are great for starting fires, the kitchen is the most dangerous room in the house. More fires are caused by cooking accidents than faulty appliances, so always be careful when in the kitchen. Make sure to keep combustible items out of the kitchen.
5. Plumbing Leaks
Slow leaks are high risk for home owners and insurance companies, not only because of water loss, but because of the cost involved in detecting and repairing such leaks. Burst pipes also cause headaches because of the damage they cause to other parts of the home. Check your plumbing where possible by looking at exposed pipes, such as those outside and under the sinks.
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