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You purchase homeowners insurance to protect yourself from the financial hardship that a total loss could bring. Yet most losses that occur are minor losses that could have easily been prevented through a program of regular preventive maintenance.

Below are some tips to help you get started on your own home preventive maintenance program that will reduce the chance of a minor loss occurring:

Everyday Loss Prevention

  • Remove lint from clothes dryer after each use.
  • Store hair dryer only after it has cooled down.
  • Do not leave candles unattended. Make sure they're in a safe location while in use.
  • Do not leave space heaters unattended. Ensure they're powered off after use.
  • Do not leave an in-use fireplace unattended.
  • Never leave coffeemakers, irons, toasters, or other small appliances that are in use unattended.
  • Properly extinguish smoking materials. NEVER smoke in bed!
  • Purchase surge protectors for expensive electronic equipment such as computers, home theater systems, or hi-fi equipment.

  • Check air conditioning/heating system air filters and replace as necessary. - Monthly
  • Inspect fire extinguishers to ensure they're fully charged. - Monthly
  • Inspect main circuit breaker or electrical panel. - Quarterly
  • Check for cracks or separations in caulking around bathtubs, toilets, and faucets. - Monthly
  • Look at the hoses connecting toilets and sinks to ensure no cracks or leaks. - Monthly
  • Clean or replace dirty range hood filter. - Quarterly
  • Check refrigerator or icemaker water lines to insure no leaks. - Monthly
  • Look for water leakage around water filter tanks and connections. - Monthly
  • Inspect hot water heater's exterior seams, drip pan, and water connections to ensure no leaks. - Monthly
  • Check dishwater and washing machine hose to ensure no cracks, splitting or leaks. - Monthly
  • Check dryer vent for lint blockage. - Quarterly


  • Inspect the roof and replace damged shingles.
  • Ensure that the flashing around chimney systems is sealed.
  • Have chimney professionally cleaned.
  • Check siding for signs of deterioration caused by rot, mold, or insects.
  • Check and clean all gutters and downspouts, if necessary.
  • Recaulk windows and doors.
  • Check and repair or replace weather stripping on exterior doors.
  • Check exterior painted or stained surfaces and refinish as needed.
  • Inspect grout around any tile floor and touch up.
  • Trim all trees that could cause water damage to the siding or roof.


Source: Central Insurance

Posted 6:01 PM

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