Avoiding Water Damage: Practical Tips to Reduce Risk and Protect Your Home
According to the Insurance Information Institute, 27.6% of all homeowners insurance claims are related to water damage, with the average repair cost hovering around $14,000. These types of losses not only take a financial toll but can also disrupt daily life — from managing repair crews to navigating the claims process and covering deductibles.
While not all water damage is preventable, many incidents stem from issues that can be proactively addressed. A strategic approach to home maintenance can significantly reduce the risk of costly water-related claims.
At Lozano Insurance Adjusters, we work with insurance companies to assess and resolve claims efficiently and accurately. Through our field experience, we’ve seen firsthand how a little preventative action can go a long way. Here are some practical tips homeowners can use to help avoid water damage:
Smart Strategies to Prevent Water Damage
- Install Smart Leak Detectors
Technology can be your first line of defense. Devices that detect moisture and send alerts to your phone can help prevent major losses — especially when you’re away from home. Some insurers even offer premium discounts for using these tools. - Keep an Eye on Pipes and Plumbing
Condensation, corrosion, and cracked or warped flooring near pipes can indicate slow leaks. Early detection prevents structural damage and mold growth. - Inspect Key Appliances Annually
Check for leaks under sinks, dishwashers, and refrigerators. Don’t forget to examine the water lines behind your refrigerator’s icemaker and water dispenser. - Upgrade Washing Machine Hoses
Rubber hoses can crack and split over time. Replacing them with reinforced steel-braided hoses every five years can reduce the risk of sudden failures. If you’re traveling, consider turning off the water supply to the machine entirely. - Monitor Toilets and Fixtures
Phantom flushing or toilets that constantly run could be signs of leaks that waste water and raise utility bills. Timely repairs can also protect flooring and subflooring from damage. - Check Your Water Heater
Inspect it annually for signs of corrosion, leaks, or bulging. Having a professional check-up every three years is also recommended to catch potential failures early.
Proactive Maintenance Pays Off
Preventing water damage doesn’t just save money — it preserves your peace of mind. Insurance companies appreciate when homeowners take steps to reduce risk, and many offer incentives for doing so.
At Lozano Insurance Adjusters, we’re proud to support our insurance partners by ensuring claims are handled with accuracy and care. While we’re here, when losses do happen, we also believe in the value of prevention. Share these tips with your policyholders to help them safeguard their homes and avoid costly surprises.
