When the weather is as cold as it has been over the last week, your home faces the very real danger of a burst pipe.  The #1 homeowner claim we see is the result of property damage due to a burst pipe.  Water is your home’s worst enemy and we want to help you prevent devastation due to a water leak.

While the natural tendency is to think that since you’ve never had a problem before, you won’t have a problem now.  Unfortunately that type of thinking is risky and we’d rather see you take a more proactive approach.

Tips From Your Insurance Advocate:

  • Obtain an energy audit so that you can identify any areas that might be at-risk inside your home.  A professional will be able to tell you where there might be any gaps in insulation or leakage of air which can lead to moisture issues.
  • Put together an emergency plan so that if you wake up in the middle of the night with water leaking from your ceiling, you’ll know what to do.  When water is flowing, every minute counts.  Knowing who to call and what to do to help mitigate damage is a good idea.
  • Installing a water flow alarm can save your house from total devastation.  The added bonus is a properly installed whole-house water shut-off system allows you to qualify for insurance policy discounts.

93% of Water Damage Can Be Prevented Utilizing Smart Technology.

If you are considering the installation of a water flow alarm, there are a few companies we recommend:

  • Leak Defense System
  • Water Security Solutions

An unoccupied or secondary home, is even more vulnerable.

According to Pure Insurance, water damage claims are 4X more severe when they occur in a home that is unoccupied. In this case, water can run for days unnoticed causing thousands of dollars worth of damage.  Even a small leak can cause a sizable amount of damage to your home, furniture, artwork and electronics. Knowing this, it is best to look at some steps you can take to be sure you home away from home is protected.

Tips For Secondary Home Owners From Your Insurance Advocate:

  • Regulate the temperature. Even if you aren’t going to be in the home, it is a good idea to keep your heat turned to at least 65 degrees.
  • Keep bathroom and kitchen cabinet doors open so that the warmer air from the room can circulate through them.
  • If you are not going to be in the home for any length of time, it might be a good idea to turn on a faucet on the home’s top floor and leave the water stream very low.  Still water freezes faster than running water and this will keep the water flowing.
  • Obtain a caretaker. Establish expected frequency of visits and what you would like them to do while they are in the home. It might be a good idea to perform background check on anyone who will have access to your home.
  • If you are not going to be in the home for any length of time, especially if you know there is a cold snap, it is a good idea to shut off your water and drain your pipes.

Educating our clients about all of the options available when it comes to protecting your home is of the utmost importance to the entire team at Advocate Brokerage.  If you have questions, feel free to get in touch with us at 914-723-7100.

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