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Suggestions?to?Reduce?Water?Damage?
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Property?Innovation?and?Field?Support,?along?with?our?agent?partners,?is?pleased?to?offer?the?following,?helpful?
information?on?ways?to?reduce?the?risk?of?water?damage.??
?
The?Insurance?Institute?for?Business?and?Home?Safety?studied?thousands?of?insurance?claims?relating?to?interior?Water?
Damage?and?identified?the?five?leading?sources?listed?below?along?with?ideas?to?help?minimize?your?risk:??
?
1.?Plumbing?Supply?System?Failure?
Warning?Signs:?An?increased?monthly?water?bill,?banging?pipes,?rust?stains,?moisture?in?the?walls?or?on?the?floor?or?signs?
of?wet?soil?erosion?near?the?foundation?are?all?potential?indicators?of?a?plumbing?problem.?
Solutions:?Schedule?a?plumbing?inspection,?decide?who?will?do?the?repairs?and?create?a?maintenance?plan?to?prevent?
future?damage.?Consider?installing?a?leak?detection?system.?
?
2.?Toilet?Failure?
Warning?Signs:?IBHS?found?one\third?of?all?toilet?failures?are?caused?by?overflowing?or?clogged?toilets.?
Solutions:?If?a?toilet?overflow?looks?imminent,?turn?off?the?supply?valve.?Twice?a?year,?inspect?the?toilet¨s?components?
such?as?fill,?supply?and?flush?valves,?and?the?supply?line,?and?replace?as?needed.?
?
3.?Water?Heater?Failure?
Warning?Signs:?The?time?period?near?the?end?of?the?manufacturer¨s?warranty?is?when?most?water?heaters?experience?
problems?with?leaks?or?a?sudden?burst?of?the?tank,?usually?around?12?years?after?date?of?purchase?but?the?average?age?of?
all?installed?water?heaters?is?13?years.?Leaking?supply?lines?are?another?sign?of?potential?failure.?
Solutions:?Schedule?a?water?heater?inspection?every?two?years,?then?annually?after?the?warranty?expires.?Perform?regular?
maintenance?(e.g.,?flushing?out?sediments?and?inspecting?the?heater¨s?anode?rod)?to?increase?life?expectancy,?and?inspect?
valves?to?ensure?proper?operations?and?use?ball?valves?in?place?of?gate?valves?whenever?possible.?
?
4.?Plumbing?Drain?System?Failure?
Warning?Signs:?More?than?half?of?plumbing?system?failures?are?the?result?of?sewer?backups.?The?problem?was?more?
common?in?southern?states.?
Solutions:?If?your?sewer?system?is?connected?to?the?city¨s?sewer?system?C?a?particular?problem?for?older?New?England?
properties?C?or?if?you?are?located?downhill?or?below?street?level,?contact?a?plumbing?professional?to?install?a?backflow?
prevention?assembly?into?your?sewer?system.?Plant?trees?away?from?lateral?drain?lines?to?prevent?roots?from?damaging?
piping,?and?never?pour?grease?down?the?drain.?
?
5.?Washing?Machine?Failure?
Warning?Signs:?More?than?half?of?the?claims?in?the?IBHS?study?were?linked?to?washing?machine?rubber?hose?failures.?Life?
expectancy?for?rubber?hoses?is?three?to?five?years.?
Solutions:?Inspect?supply?hoses?annually?and?replace?every?five?years?with?reinforced?hoses.?Avoid?overloading?the?
machine,?and?if?the?property?will?be?unoccupied?for?an?extended?period?of?time,?turn?off?the?water?supply?to?the?machine.?
Keep?4 ̄?between?the?water?connection,?and?the?back?of?the?machine.?Know?where?your?shut?off?valves?are?located.?
?
As?always,?we?welcome?your?input?and?suggestions?around?our?prevention?initiatives.?If?you?have?any?questions?regarding?
this?communication,?please?contact?Joe?Manatrizio?at?847\402\0131,?or?Nicole?Kump?at?847\402\2423.?
?
Visit?Allstate?Be?Aware?and?Prepare?and?the?Insurance?Institute?for?Business?&?Home?Safety?for?more?helpful?information.?
?
March?2012?
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