Water damage accounts for nearly 29% of all homeowner insurance claims, with an average payout of $11,650. Most of it is preventable. Here's a practical checklist that takes a weekend to complete.
Inspect supply lines under sinks and behind appliances
Braided steel supply lines last 5-7 years. Check under every sink and behind the washing machine, dishwasher, and refrigerator ice maker. Look for corrosion, bulging, or white mineral crust. Replace any line over 8 years old or showing wear -- a $10 supply line prevents a flooded room.
Know where your main shutoff is
Every adult in the household should know how to shut off the main water supply. Locate the valve (usually near the water meter), ensure it turns freely, and label it. Consider a smart water shutoff valve ($150-$300 installed) that automatically detects leaks and shuts off the supply.
Clean gutters twice a year
Clogged gutters overflow during rain, sending water against your foundation and into your basement. Clean gutters in late spring and again in late fall after leaves drop. Check that downspouts extend at least 6 feet from the foundation.
Check caulk around tubs, showers, and windows
Caulk around tubs and showers prevents water from seeping behind tile and into wall framing. Inspect annually -- if it's cracking, peeling, or showing dark spots (mold), recaulk. A tube of caulk costs $5 and takes 30 minutes. Water infiltration from a failed shower seal can rot floor joists for months before you notice.
Test your sump pump before storm season
Pour a bucket of water into the sump pit and watch the pump activate. It should turn on within seconds and empty the pit completely. If it doesn't activate or runs slowly, service or replace it before the wet season. Also check that the discharge line is clear and drains well away from the foundation.
Bottom line
Water damage prevention takes a day of inspection and under $200 in supplies. That investment protects against claims that average $11,000+. Add it to your annual home maintenance schedule.
Need plumbing work done?
Novum sends its own licensed crew. Flat upfront quote before we touch anything.