Personal Insurance Blog

Here are some helpful suggestions on loss prevention as offered on the Bunker Hill Ins. Co. website. Remember, your Homeowners policy is not a maintenance plan and you should maintain your property. Also, included below are tips on what to do if you do have a loss.

Preventing Loss

Quick tips checklist

Water

• Maintain your roof and inspect it once a year.
• Trim trees and prune dead limbs.
• Keep gutters and downspouts clean and free of debris.
• Check washing machine hoses periodically and replace them every 5 years.
• Test your sump pump regularly.
• Know how to turn off your water supply.
• Consider installing automatic shut-offs on appliances and water main.
• Replace hot water tanks before they corrode (every 7 to 10 years).

Fire

• Test smoke detectors frequently and replace batteries as needed.
• Use wood stoves and electric heaters with extreme care.
• Don’t leave candles unattended.
• Keep outdoor grills away from decks and siding.
• Dispose of smoking materials carefully.
• Never smoke in bed.

Accidents

• Stairs should have secure handrails and be clutter-free.
• Make sure there are working night lights at the top and bottom of all stairs.
• Keep exterior walks free of debris, ice and snow.
• Install fences and self-closing gates around your pool.

Home Security

• Lock doors and windows.

Going away?

• Arrange for mail pick-up and yard maintenance.
• Cancel newspaper deliveries.
• Keep lights on timers.
• Have a friend or neighbor check your property frequently.

And if you have a claim, here are some tips to prevent further damage:

• Call us to report your loss, or visit us at www.agordon.com
• Call a professional if you need help.
• Clean up standing water.
• Cover holes in the roof or walls.
• Report theft to local police.
• Keep receipts for any work performed.
• Find more tips on how to mitigate water or fire & smoke damage.

Get a list of home cleaning and restoration companies in your area or check out our home insurance resources and white board videos. Learn more about the basics of homeowners insurance here.