Personal Insurance Blog

27-Jun-2012 Sue Bird house

Loss: Tips on Prevention and Restoration

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

Cover your home in case of water or fire damage with homeowners from Andrew Gordon Inc Insurance Norwell MA

Quick tips checklist


  • 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).


  • 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.


  • 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.

Protect your home from theft water fire or storm damage with these tips and homeowners from Andrew Gordon Inc Insurance Norwell MAHome 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
  • 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


 Sue Bird

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