Helpful Hints to Avoid Homeowner Claims

 
Dryer lint -Leaving lint in your dryer's lint trap, or even worse, inside the guts of your dryer, can lead to a fire. Clean the lint trap after every use and make sure that the fluffy stuff hasn't accumulated anywhere else in your machine.
Aluminum and Knob and Tube wiring-Homes built with this type of wiring are 55 times more likely than those with copper wiring to go up in smoke. The odds of a fire increase every year. If your home was built before 1972, have an electrician inspect your wiring.
Paper towels-This common item causes a surprising number of kitchen fires. Use recycled towels? Minute metal flecks can ignite if you put them in the microwave. Keep the recycled towels far from ovens and toasters and don't use them in the microwave.
Fireplaces and chimneys-Creosote caked chimneys can cause explosive fires or allow carbon monoxide to seep into your home. Hire a chimney sweep and make sure you have a screen in front of your logs to keep embers inside the fireplace where they belong.
Leaving the stove unattended-Most home fires are started in the kitchen as a result of leaving food on the stovetop unattended. If you have an emergency that takes you away from cooking, turn off the burner before leaving the kitchen.
Refrigerator supply line-Many water claims are the result of damage to the kitchen floor due to leaks from the water supply line for the ice maker. Check this frequently for signs of wear.
Water supply lines for your washing machine-These supply lines become worn and weak over time due to the water pressure, especially the hot water supply line. It is recommended to replace the standard rubber supply lines with the braided metal supply lines to avoid the costly repairs due to ruptured lines. This is particularly important if your washer and dryer are located on the second floor.
Protect your water pipes-Disconnect outdoor hoses which are very susceptible to freezing and also protect the outside faucets with some type of insulated cover (can be purchased at home improvement/hardware stores). Use tightly wound heat tape to insulate exposed pipes in unheated areas such as crawl spaces, attics, garages and under kitchen and bathroom cabinets. You can also cover pipes with insulated sleeves which are typically made of materials such as foam, wool felt or fiberglass. Use caulk or insulation to seal cracks and openings near pipes that leave outdoor pipes exposed to cold outside air. All of the materials mentioned above can be found at your local hardware store. You can also keep a trickle of water running through exposed pipes to help prevent freezing. Most people tend to lower the thermostat when going out of town for holidays or vacation. Be sure to never lower your thermostat below 55 degrees to avoid the possibility of frozen pipes.

These simple measures can help prevent costly homeowner claims that can cause disruption to your everyday life and could result in higher insurance premiums

The Jordal Agency has the knowledge, the experience, and the resources to find you the best coverage at the best rate. Contact The Jordal Agency 609-465-7700 or contact us through one of our quote forms, and we'll be happy to answer any of your insurance questions