Loss Control Tips: Water Damage

Water Damage Water is one of the most common causes of property damage. Water damage is not only expensive—it can also create potential health risks. What’s more, an incident in one unit can easily affect other areas of your property or building, including common areas and other residents’ condos or apartments. 

  • Ensure that your sump pumps are in good condition and operating properly.
  • Inspect roofs to verify that draining systems are clear of debris and functioning properly. In addition, monitor for loose shingles or other damages and make repairs as needed.
  • Identify areas of your building that are susceptible to unusual amounts of rainfall.
  • Evaluate windows often. Reapply caulk and repair sealants during window inspections.
  • Assess exterior walls after prolonged or intense periods of rain.
  • Clear drains, gutters and downspouts of debris.
  • Ensure that appliances, as well as kitchen and bathroom fixtures, are in good working order and do not leak water. 
  • Consider installing a water flow monitoring system, auto shut-off devices, or smart water sensors for further protection.
  • Establish procedures residents can use to report water damage concerns.
  • Develop a water damage prevention and response plan and document water damage when it occurs.

Review Your Coverage
Apart from these practices, review your insurance policy with an insurance professional to ensure you will be adequately covered if sudden or accidental water damage occurs. Keep in mind that some specific causes of water damage—such as flooding and sewer backups—are typically excluded from standard homeowners' policies and often require additional, specialized coverage. For more property maintenance guidance and insurance solutions, contact us today.