BCAA

iStock fall 2015 bca a .com 27 That dripping sound in your home is more than just an annoyance. It's the sound of potentially devastating water damage. Such damage often presents itself in the form of pipes or hot water tanks bursting, appliances leaking or blocked drains backing up. Fortunately, your insurance policy can protect you against many of these situations when they occur suddenly and accidentally (ask your Insurance Agent about how to get the widest possible protection). However, other scenarios exist for which insurance protection is not commonly available. According to Jonathan Willoughby, Manager of Underwriting at BCAA, the best way to protect your home is to stop water damage before it begins. Here are the seven easy preventative measures he recommends: 1. Familiarize yourself with your water sources. Make a habit of doing routine checks of pipes and appliances that use water. Look for water stains in the home and check exposed plumbing for signs of deterioration or leaks. Also locate your water shut-off valve and know how to turn it off in case you ever need to stop water from entering your home. 2. Maintain your hot water tank. Have your tank serviced annually and checked for corrosion and leaks. Make sure to replace it every 10 years or as recommended. 3. Switch to metal appliance hoses. If your appliances still use rubber hoses (which are more likely to kink and burst), switch to stainless-steel braided hoses. These are much stronger, more flexible and last considerably longer. 4. Install water detectors. Simply place these around any source of water and a high-pitched alarm will alert you if a leak is detected. They're a simple and very affordable safeguard. 5. Protect your basement. Help direct rainwater away from the foundation of your home by adding a downspout extension. Check for dampness, seal any cracks in your foundation and ensure drains are clear. Keep possessions off the basement floor. 6. Be present. Avoid leaving the house or going to sleep when running the dishwasher, washing machine or anything else that uses gallons of water. And if you're away for an extended period, turn off your water valves and drain the water in your home, or maintain your heating and have someone that you trust come in daily to do a check. 7. Keep drains and gutters clear of debris. Have foliage cleared from gutters in the fall and have snow removed from your roof during winter. Inspect all other drains inside and outside the home and maintain accordingly to keep them open. Because your home is unique, always check with a professional to ensure what you're doing is the most sensible choice for your property. n at home WATER SMARTS Seven simple ways to prevent water damage in your home BY CaTHERINE TSE BCAA Members can save up to 15% on BCAA's Award Winning Home Insurance. bcaa.com/home MEMBERS SAVE

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