Unnecessary claims are those associated with acts that could have been avoided. For example, there is a large tree limb that hangs over the roof of your home. The limb appears to be dead. During a thunderstorm the limb falls and punctures your roof. Now while the thunderstorm was unavoidable, considered an act of God by most insurance companies, the fact that you knew about the dead limb was completely avoidable.
Here are some other areas to avoid unnecessary claims.
Keep gutters clean – Full gutters can redirect water into your home. Have your gutters inspected and cleaned at least twice a year if you live in an area with over-hanging trees.
Inspect sump pumps – For homeowners with a basement, a operational sump pump may be the only thing between you and a large insurance claim. Flooded basements are commonplace and most are caused by the lack of or a faulty sump pump. Plumbing experts suggest replacing your sump pump every 7-10 years. There are few warning signs for a failing pump. They typically work until they don’t, and that’s the problem. You won’t know it’s not working until it stops working and water starts to rise.
Install backup sump pump – A backup pump can help prevent major headaches. If the primary fails a backup can kick in and eject the water safely.
Keep overhanging trees pruned – Just as we mentioned in the first paragraph, trimming dead limbs over your home or where cars are parked can reduce the likelihood of a claim.
Remove dead trees – Large dead trees will fall. It’s just a matter of time. And the last thing you want is for a tree to fall on your home or car. Removing them safely before the cause a problem is best course of action.
Secure your home – a secure home is one that is less likely to be burglarized.
Inspect your chimney – chimney fires are common for older homes with a fireplace. If you haven’t had your chimney inspected, it’s time.
Generally, regular inspection and maintenance of your home is the best practice to reduce insurance claims. Homeowners that take an active role in the upkeep of their home typically find they have less claims. Yes, there will be unavoidable situations and that’s what insurance was designed for. But insurance wasn’t designed to make up for poor home maintenance practices.
To learn more about reducing claims, contact your independent Provident Insurance agent. We serve Plainfield, Greenwood, Avon, Brownsburg, Indianapolis, Carmel, Zionsville and the entire central Indiana area. Stop in one of our convenient locations to discuss your insurance needs today.
