A leaky pipe. An outdated policy. A roof that hasn’t been inspected in years. These may not seem urgent, but when you’re dealing with a denied claim or costly repairs, you’ll wish you took proactive steps to make sure you’re protected. Homeowner’s insurance serves as a safety net, but only if you do your part. In this blog, we’ll go over 3 common homeowner’s insurance mistakes and what steps you can take to stay ahead.

1.      Ignoring Small Home Repairs

It’s easy to put off small projects, but waiting too long can lead to costly repairs that may not be covered under your homeowner’s insurance policy. Let’s go over some issues that can quickly lead to larger issues.

• Leaky Faucet or Pipes: A slow drip may seem harmless, but over time, it can lead to mold, rot, and water damage (especially under sinks or behind walls).
• Clogged Gutters: Water can easily overflow, causing damage to your siding, foundation, or even basement.
• Slow Draining Sinks or Tubs: Left alone, you are at risk for water damage or blockages and sewer issues.
• Flickering Lights or Dead Outlets: Indicating electrical issues, you are at risk for fires.

2.      Not Having a Plan That Fits Your Needs

It’s easy to purchase an insurance plan, but you must put in detailed research and planning to craft the policy that works for you and your family’s unique needs. It is important to take your home’s value, location, belongings, and personal circumstances into consideration. If you have a plan that doesn’t fit what you need, you will be wasting money while having to worry about uncovered expenses. Working with an experienced insurance agent is a great idea to make sure your coverage fits.

3.      Skipping Regular Maintenance

Many homeowners don’t realize that insurance policies often exclude damage that results from neglect or lack of maintenance. That means even if you’re insured, you could be left footing the bill.

• HVAC Systems: Dirty filters or neglected servicing can lead to breakdowns—especially during peak seasons. If damage occurs due to poor maintenance, your policy might not help.
• Pest Control: Rodents and termites can cause significant damage. Most standard policies won’t cover infestations or the repairs they require.
• Roof Inspections: A small crack or missing shingle might not seem urgent, but it can let in water and cause major damage. Without documentation of regular upkeep, claims could be denied.

Here at the Safeside Insurance Agency, we are committed to working with you and your family to customize the insurance plan you need. Whether you have questions about an existing plan or would like to get started, we are here to help. You can visit our website here or just right into a quote.