Homeowners insurance is there to protect you when disaster strikes, but the best way to save money and stress is to prevent damage before it happens. The most common claims—water damage, mold, and fire—are often avoidable with some simple, low-cost maintenance. Here are 10 easy steps you can take to prevent costly insurance claims and keep your home in top condition.

Water Damage Prevention

1. Inspect Your Pipes for Early Warning Signs

By the time a pipe leaks, the damage has already begun. Instead of waiting for a visible leak, inspect your plumbing regularly. If you have copper pipes, look for green spots—these indicate corrosion and signal that the pipe is nearing the end of its useful life. Consider repairs or replacement before a leak occurs.

2. Clean Your Gutters and Downspouts

Clogged gutters can cause water to back up under your roof or pool around your foundation. Clean your gutters at least twice a year (spring and fall) to prevent costly water intrusion.

3. Install Water Leak Detectors

Water leak sensors placed near washing machines, dishwashers, water heaters, and under sinks can alert you to leaks before they cause major damage. Many smart home systems even allow remote alerts on your phone.

4. Maintain Your Water Heater

A failing water heater can cause sudden leaks or even flooding. Check the expiration date on your water heater and replace it three days before expiration. Manufacturers design water heaters to last until this date, and failure is likely to occur shortly after it expires. Drain and flush your water heater annually to remove sediment buildup, and inspect it for signs of rust or leaks.

5. Know Where Your Main Water Shutoff Valve Is

If a pipe bursts, shutting off the water quickly can save thousands in damage. Every homeowner should know where their main shutoff valve is and ensure it’s easy to access in an emergency.

6. Check and Replace Washing Machine Hoses

Rubber washing machine hoses can wear out and crack, leading to leaks or bursts. Replace them with stainless braided supply lines, which have the longest life expectancy and are more durable than standard hoses.

Mold Prevention

7. Use Dehumidifiers in Damp Areas

Basements, crawlspaces, and bathrooms are prone to mold growth due to high humidity. Running a dehumidifier can help keep moisture levels under control and prevent mold from forming.

8. Ensure Proper Ventilation in Bathrooms and Kitchens

Moisture from showers and cooking can create the perfect conditions for mold. Always use exhaust fans while cooking and bathing, and consider leaving a door or window open to improve airflow.

9. Seal Cracks and Gaps Around Your Home

Small openings around windows, doors, and foundations can let in moisture, leading to mold problems. Use caulk or weather stripping to seal these areas and prevent unwanted moisture buildup.

10. Fix Water Damage Immediately

If you do experience a leak or minor water intrusion, dry it out completely as soon as possible. Mold can begin growing in as little as 24-48 hours, so act quickly to clean and dry affected areas.

Contact Innovative Restorations To Make Sure You're Protected

Preventing home insurance claims doesn’t have to be expensive or complicated. By taking these proactive steps, you can avoid major damage, keep your home in great shape, and ensure that your insurance is only needed for the truly unexpected.

If you need help with any of these preventative measures, Innovative Restorations is here for you. Whether it’s inspecting pipes, replacing water heater lines, or identifying hidden moisture issues, we can help or connect you with someone who can. Give us a call today!

Josiah Kessie is the founder and owner of Innovative Restorations.  We started in 2005 in the home renovation space and are still improving homes today!  If you need home remodeling or improvements please reach out and see how we can serve you.