A hole in your roof, a fire in your laundry room and a flooded basement are all good reasons to file an insurance claim, but your actual level of coverage depends on the circumstances of the case. If your poor maintenance practices led to the mishap, the damage won’t be covered. Below, you will find some ways to reduce the chance of filing a homeowner’s Insurance Waynesboro claim.
Leaky Roofs
Prevent leaks by checking the places where they’re most likely to occur-;plumbing vents, chimneys, furnace shingles and skylights. Water trapped here can lead to mold growth, and if you’ve failed to maintain your roof, your insurer will likely dispute your claim. To determine your claim’s validity, an insurance adjuster will look for signs of long-term damage such as cracked, missing and discolored shingles.
Flooded Basements
If just a small amount of water causes flooding in your basement, you’ll need to call a builder to determine the cause. Poorly sealed walls and flooring, blocked gutters, or improper drainage usually causes basement flooding. No homeowners’ policy covers floods-;for that, you’ll need separate flood coverage. You can buy it through the NFIP (National Flood Insurance Program), where you can get up to $350,000 in total coverage.
House Fires
Fires are covered under your homeowners’ Insurance Waynesboro policy, as long as they aren’t intentional. To prevent dryer fires, clean the lint trap before each load. Do not put clothes containing flammable liquids into the dryer. In the kitchen, reduce fire risk by paying attention to food left cooking on the stove or in the microwave.
Slips and Falls
Most slip-and-fall injuries occur in the bathroom, but these can be minimized by installing non-slip floor surfaces. Your homeowners’ Insurance In Waynesboro only covers the injuries if the person is not part of your family. The policy’s medical expenses and liability claims causes protect you from lawsuits brought by injured visitors.
Garage Accidents
If you park your car in your garage, keep clutter at bay to reduce the risk of a falling object causing damage. Keep combustible and flammable materials at a minimum, keeping them in sealed, labeled containers away from ignition sources. Fires are covered by your homeowners’ policy, but damage to your car is covered under your auto insurance policy.
