Top 3 Things Homowners Shoud Do to Reduce Home Insurance Claims

Home Insurance premiums are on the rise in McKinney and the state of Texas for consumers.  The frequency and severity of home insurance claims is one of the primary factors in rising home insurance premiums.  My clients often ask for ways they can help reduce their potential for home losses and mitigate the costs of any future losses they may have.  The following are a few steps you can take to reduce the frequency and/or severity of home insurance claims: 

1. Have your roof inspected annually by a reputable roofing professional.  Performing annual inspections and maintenance to your home’s roof is important to avoid costly home insurance claims in the future.  A properly maintained roof will stand up better to wind and hail damage, which may help keep any interior damage from developing when storms do occur. 
2. Inspect your washing machine hoses frequently.  Water damage from worn washing machine hoses is one of the top drivers of home insurance claims.  Check your washing machine hoses for wear and tear frequently.  Replace any rubber hoses with steel-braided ones to further reduce the chance of a hose failing and causing a water incident.
3. Clean your dryer vents frequently.  Lint build up in dryer vents increases the likelihood of a fire starting in your home.  Check dryer vents and hoses for lint build up and have your vents professionally cleaned to reduce this risk. 

If you have additional questions regarding home maintenance tips or your home insurance rates, please stop by my offices in McKinney, TX or give me a call at (972) 727-9111.

Stan Polk, CPCU – Agency Owner

6951 Virginia Parkway, Suite 316

McKinney, TX 75071

 

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I am a Farmers® agent but my posts are my own and are not statements by or on behalf of Farmers.