Did you know that, according to Intact Insurance, most losses suffered by homeowners are caused by water?
Homeowners who maintain their property reduce the risk of water damage by 50%, thus avoiding a lot of damage to their belongings.
Here are a few things to keep in mind:
The look of your roof is a good indicator of the risks of leaks. If your roof is about 15 years old or older, have it inspected by a professional. If your roof shingles are beginning to curl up, it's time to replace them. Any blisters on a flat tar and gravel roof should be checked.
Evidence of water in the basement and visible cracks are warning signs of more serious damage. Is water from your eavestroughs discharging too close to the foundation? Check that the slopes around your house are adequate to keep water away from the foundation. At the first sign of weakness, have all cracks in your foundation inspected by a professional.
Heavy rains can overload the sewer system, resulting in sewer backups with anti-backflow valves. It is recommended to have your plumbing system inspected by a plumber if your house was built before 1980.
Most water heaters have a life of 10 to 15 years. The manufacturing date is generally indicated on the appliance. A water heater that gives out will keep leaking until the water supply is turned off and can cause considerable damage. Consider replacing your water heater after 12 years. After 15 years, there is a significant risk of leakage due to corrosion.
When leaving on vacation for an extended period, have a neighbour or a friend check periodically on your property in order to avoid nasty surprises when you get back.
Also, take the time to contact your insurance broker and find out exactly how well you are covered in case of water damage to your property.