Non-Weather Related Damage

You and your husband are just getting home from a week-long vacation. You’re feeling rejuvenated from not having worked for seven whole days. It was a very lovely time.

Your husband, being the sweetheart he is, decided to clean the house before you left. It’s the thought that counts, right?

Upon arrival, you turn on the lights, illuminating the living room. You find a trail of suds coming from the kitchen, soaking up your carpet. You take a deep breath and inch forward slowly. Reaching the kitchen, you realize the whole floor is covered in soapy water. The linoleum has started bubbling up due to water damage. You scream, because this is equivalent to the fright of a horror movie. Your husband comes running. “Oh, no,” he says, “I used the dish soap on the sink!”

Well, he learned the hard way that dish soap and dish detergent have different reactions in the dishwasher.

These kinds of accidents happen. We often discuss weather-related damage. What about non-weather related damages? You pay for insurance to cover the unexpected. Non-weather damages are caused by behavior (such as the example above), location of various appliances and plumbing, and characteristics of the structure.

Examples are:

 

  1. Frozen pipes
  2. Leaks from a faulty water heater or AC unit
  3. Faults in the plumbing
  4. Overflowing tubs and sinks
  5. Etc

 

There are a few precautions you can take to try to prevent anything bad from happening. During the winter, you can leave your faucets dripping slightly to help prevent frozen pipes. Replace the hose on your washer every five years. Always check on your appliances to make sure they are up to date and working properly. This can save thousands of dollars in damages in case something goes wrong in the future.

Some homeowners policies focus more on weather-related damage, so adding additional coverages can ensure the possibility of non-weather related damages to be covered. Check with your insurance agent about adjusting your policy to better fit your needs.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Life Insurance: Why Waiting Limits Your Options

Waiting to purchase life insurance just may limit your options. Here’s how to maximize your choices when buying life insurance.

Five Cents a Week for Life Insurance? Wait…There’s more!

There Was a Life Insurance Version of the Milk Man and Home Doctor Visit

The Difference Between Term Life Insurance and Permanent Life Insurance Explained

This is a Great Way to Start with Life Insurance

A Closer Look at the Life Insurance Waiver of Premium Benefit

Many Life Insurance Policies Contain a Powerful, Hidden Benefit

Can I Buy Life Insurance if I’m Dying?

Insurance Can’t be Secured Following a Calamity. The Time to Act is Now

The Two Biggest Factors That Make Life Insurance Rates Increase

Age and Health Are the Biggest Contributors to Increasing Life Insurance Costs

Life Insurance: Buy What You Can Afford

Buying a Large Amount of Life Insurance May Be Pointless If You Can’t Afford It

Why an Independent Agent is Your Best Option for Life Insurance Quotes

Choice is Good. It’s Just One Reason an Independent Insurance Agent May Be Best for You.

Getting Married? Now’s a Good Time to Consider Life Insurance

Marriage is one of those benchmark times when you should have your life insurance reviewed. We can help.

Why Life Insurance Should Be a Fundamental Part of Your Financial Plan

How Are You Protecting Your Money Machine?

Leave a Comment