clogged gutters

7 Tips to Protect Your Home from Water Damage

Most Homeowner policies cover damage to your home from sudden and accidental water damage, such as burst pipes, wind or storm driven rain, or melting snow. However, water damage caused by poor home maintenance, such as overfilled gutters or a poorly maintained roof, are not covered.

As with all policies, your claim history will affect the premiums you pay for your Homeowners policy. Follow these tips to reduce the chance of making a claim or suffering an insured loss due to water damage to your home:

  1. Regularly check under the kitchen sink to make sure that the connection to the dishwasher is secure and check underneath the dishwasher to make sure that it has no leaks.
  2. Check the caulking around all your sinks, looking for cracks or mold, and the pipes underneath for signs of leaks.
  3. If your refrigerator has an icemaker, check the hose connecting it to the water supply line to make sure there are no leaks.
  4. Check around the bathtubs, showers and toilets. Discolored or damp areas are signs that you have a leak.
  5. If your showers have tiled walls or floors, inspect the tile grout on a regular basis. Missing or cracked grout can allow water to leak out of the shower and cause damage.
  6. Check the hoses on your washing machine for dampness around the ends, cracks or fraying. As a preventative measure, consider replacing the hoses every 3-5 years with metal braided hoses.
  7. Outside your home, keep your gutters clear, keep your roof and downspouts free from a buildup of leaves, twigs, and other materials, all of which could prevent proper drainage. And remember to keep your trees trimmed to prevent them from rubbing against the roof and causing damage.


headshot of john petit

John Petit

John has a degree in Finance, a Master’s degree in Management, and is licensed to offer insurance products, financial products such as mutual funds and retirement plans.

Published May 17, 2022. Updated July 26, 2023

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