Tips for Avoiding Excessive Homeowners Insurance Claims

While some accidents are inevitable, others can easily be prevented if some simple precautions were taken. As a homeowner, reducing claims is a common interest. We are not suggesting that you neglect filing a claim when it is necessary; rather, we are encouraging you to partake in these preventative measures to help avoid having to file one:

• Whenever there is a leak in your roof or attic, you run the risk of mold growing. To prevent this common household issue, it is important that you check your roof regularly and have it maintained by a professional. Mold often grows in areas such as the plumbing vents, missing shingles, furnace shingles, and the chimney. If your insurance provider suspects it is neglect that caused the mold, you may not receive coverage.
• Dryer fires occur far too often. To avoid this common issue, simply give your dryer some tender love and care! It is important that you clean the lint trap after each use and give the entire dryer a deep cleaning annually.
• While you cannot exactly control the direction in which trees fall, you can keep an eye out for hazardous trees. If you notice any trees that look like they are decaying or cracking, you may want to have an expert come to the house to determine if it poses a danger to you and your home.
• If your home has ever flooded in the past, it is highly recommended that you have a professional come to the house and determine why your home was so susceptible. While some floods occur simply by the forces of a natural disaster, others are caused by weak structures or blocked gutter systems.

Contact Little & Sons Insurance Services for all of your California homeowners' insurance needs. You deserve peace of mind in the comfort of your own home. Allow us to provide you with confidence in knowing you, your family, and your home are adequately protected.