Washington Insurance Council

                 Consumer Alert

Contact: Karl Newman, President
Darrin Sanger, Communications Director      
Washington Insurance Council    
Phone: (206) 624-3330
Fax: (206) 624-1975
karl.newman@wiconline.org
darrin.sanger@wiconline.org

Regular home maintenance is key to preventing water damage

SEATTLE – Autumn is almost here and that means heavy rains for thousands of Western Washington homeowners.  It also means that it’s time to think about preparing your home against the number-one insurance claim – water damage.

Water damage accounted for more than one-third of all homeowner claims in 2001.  The average water damage claim costs more than $4,700.

Excessive amounts of water can rot drywall and support beams, crack foundation walls and cause mold.  Standard homeowners policies don’t cover water damage unless it is the result of a covered peril such as a broken water pipe, flood, fire or windstorm.  Since damage from roof leaks, excessive condensation or poor landscaping are normally excluded, you are responsible for the maintenance of your home.

Most water damage losses are easily preventable by taking some simple maintenance steps.  The Washington Insurance Council offers these tips to help you prevent future damage and thousands of dollars in repair costs:

• If you find a leak, clean and dry the exposed area and fix the problem immediately.
• Routinely inspect ceilings, walls, floors and window sills for water stains, discoloration and musty odors.
• Remove leaves, branches and debris from gutters to prevent water blockage and possible run-off into the home.
• Routinely inspect attics, vents, ducts washer hoses and outside water sources for leaks.
• Check and replace heating system air filters.
• Properly ventilate bathrooms and kitchens to prevent a moisture buildup.

For free brochures, Protect Your Home From Water Damage and a Maintenance Guide For Your Home, contact WIC at (206) 624-3330 or (800) 664-4942.

Washington Insurance Council is a nonprofit, consumer education organization funded by member insurance companies.

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