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Loss Prevention Corner


"Loss Prevention Corner" is a compilation of hundreds of practical tips to help you reduce your chances of having a loss, or to minimize your damage if you do. The tips are divided into categories such as Fire, Water Damage, Burglary, Identity Theft, and many more!

 
Water Damage Prevention
 
1.

Make sure you, and all household members, know where the house's Main Water Shut Off is located, and how to use it!!!


2.

If you don't already own a "Wet / Dry" vacuum, consider buying one.


3.

Annually have the heating, cooling, and water heater systems cleaned and serviced.


4.

Common Causes of Water Damage:
  • Frozen pipes
  • Plumbing leaks
  • Water heaters
  • Corroded water supply lines
  • Outside water faucets
  • Leaks in roof and roof flashing
  • Back up of sewers and drains


5.

On your washing machine, replace the rubber hoses with stainless steel ones!! They're quite inexpensive, and readily available hardware stores.


6.

Install a shut-off valve on the washer hose and leave it in the off position when the washer isn't in use.


7.

Check your water heater for wear and tear, and flush it at least twice a year.


8.

Consider adding an alarm and/or an automatic shutoff valve to your water heater.


9.

Bleed radiator valves periodically.


10.

Replace water heaters every ten years (even if not leaking).


11.

Test the Temperature and Pressure Relief (TPR) valve on water heaters.


12.

Hire a plumber to inspect and flush your water heater annually.


13.

Monitor air conditioner pans and overflows for signs of leaks and excess overflow during peak usage.


14.

Have a licensed plumber inspect the home to verify the system is in good working order.


15.

Inspect plumbing and waste lines for leaks, damage, or corrosion.


16.

Insulate pipes to prevent “sweating”.


17.

You can significantly reduce the likelihood of sewage backing up into your home during future flooding by installing a back-flow valve in the sewer line.


18.

If water has entered the basement in the past, a sump pump may be the best defense against future occurrences.


19.

Make sure your sump pump is well maintained and tested regularly.


20.

Battery backup is recommended for power outages.


21.

Caulking around tubs and shower stalls should be checked to ensure a watertight seal.


22.

Ensure that water is not escaping the enclosure during showering. Check below all plumbing fixtures for evidence of leakage.


23.

Repair or replace all leaking faucets or showerheads.


24.

Secure loose toilets, and repair flush mechanisms that become troublesome.


25.

As well as the house's main water shut-off, you should know where the water valves are on appliances, sinks, and toilets, and how to shut them off.



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DISCLAIMER

During my 27 years as a Property and Casualty Insurance Agent in the Greater Boston area, I have been collecting, from many sources, lists of dos and don'ts related to various areas of Loss Prevention (also known as "Risk Management"). "Loss Prevention Corner' is a compilation of those Risk Management tips that we offer as POSSIBLE SUGGESTIONS. Each of these tips may or may not be appropriate at all times, since every situation is different. The tips are here for your consideration. You must decide which of them is right for you.

Michael A. Norman
Our Video Legacy / Owner
 

9

Fire

9

Burglary

10

Storm

8

Explosion


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Weekly Tip: Ensure that your downspouts are secure, and that their discharge is appropriate (away from the house). Remove debris from window wells.