An Ounce Of Prevention Can Protect Your Home Investment

You can help keep your insurance costs down and protect your property as well. The most important step you can take is to identify and humidity, moisture or water damage problems before they create bigger problems such as mold or structural damage.

Do not procrastinate if you find a problem. In many cases the problem can be addressed without having to make an insurance claim. The best defense is periodic inspection and quick action.

• Periodically inspect your home inside and out.
• Look for any water or moisture. Pay special attention around pipes, in basements and crawl spaces. If you see a problem, ask your insurance agent to referral a professional that you can call to identify the extent of the damage. Sometimes moisture in ceilings or wall cavities cannot be seen. This provides perfect conditions for mold growth. A professional can identify this moisture and remove it, usually without expensive repairs. 
• Your nose knows! Musty and moldy odors may be an indicator or growing molds. Your sense of smell may alert you to potential problems you cannot see. Remember, the key to protecting your home is to identify a problem early, before it gets worse.
• Control humidity in bathrooms, showers, and wherever water is repeatedly used. Exhaust fans, proper caulking and regular cleaning with a bleach-based cleaning product will help keep problems away.
• Ventilation matters. Proper ventilation in attics, crawl spaces, basements and other dark spaces can help stop moisture problems. Be sure these areas are well ventilated.
• HVAC systems and air conditioners. Regularly having your HVAC and air conditioners inspected can identify moisture problems or drain clogs.