An Insurance Claim Waiting to Happen

 In Insurance Claims

With the economy hitting a rough patch over the last few years, people are looking to stretch their budget anywhere they can.  One way that many try to save is by waiting longer to replace household items.  Things like microwaves, dishwashers, and washing machines are getting repaired instead of getting replaced.  While this is more friendly on the pocketbook today, it may be setting you up for an insurance claim on your homeowners insurance policy. 

Did you know that washing machines and dishwashers are some of the main causes of property damage (flooding) in a typical home?  The problem with dishwashers is most people don’t think to check the seals around the edge of the door.  The problem with washing machines is that the hoses are usually located behind the washing machine.  Over time, the rubber in hoses  and seals starts to dry out and crack.  This is especially true in an extremely dry climate like Denver and across Colorado.  These cracks lead to blow-outs, which can happen at any time.  What happens if that hose blows out while you’re gone for the weekend?  You may return home to a flooded nightmare.  Your carpet ruined, your hardwood floors destroyed, and anything you kept in the basement is now a soggy mess.  Now you have to file a claim against your homeowner’s insurance policy, you have to stay in a hotel for a week, and are out your deductible.

Rather than let this happen to you, make sure to properly maintain your dishwasher and washing machine.  Have the hoses and seals checked regularly and be sure to replace them at the first sign of drying, cracking, or bulges.  You may even consider installing an alarm system or automatic shut-off system behind your washing machine.  A few dollars in maintenance today may save you thousands of dollars in a claim and even more in insurance expenses down the road. 

If you have any questions about your homeowners insurance, please give us a call!  We are a locally owned and operated independent insurance agency in Arvada, Colorado.  We would love the opportunity to review your policy to make sure you’ve got the right protection in the event of a flood.

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