Prevent Homeowner Claims with This Checklist


A few simple maintenance tasks can help prevent major liability insurance claims. The following tasks, completed annually, will help protect you from several types of homeowners insurance claims, such as:


Inspect your driveway and walkways. Are these areas safe and smooth? Repair any broken, cracked, or uneven areas. This helps prevent accidents on your property. And don’t forget to fix fences and gates.

Winter weather may have taken a toll on your home’s exterior. Check hinges, latches, and locks to ensure they work. If you have a pool, maintaining these deterrents is especially important to keep your own kids or neighboring children away from the pool area and out of danger.

Fire damage

Change batteries in all your smoke detectors and ensure they’re functioning correctly. Also clean your dryer’s lint hose. Your lint trap doesn’t catch it all. You should clean the hose once each year to prevent fire. (And as a bonus, it also increases dryer efficiency.)

Moisture damage

Check the water heater, and if you notice any corrosion or leaks, get it repaired right away. As well, seams and caulking on doors and windows can crack over time and allow moisture to enter your home. This can cause further damage to its structure. Reseal or recaulk where needed.

You also should clean out your gutters and clear away all the debris left by winter storms. The gutter and downspout system protects your home from water damage by directing water away from your roof and foundation. When it’s clogged, it can’t do its job.


Overgrown bushes can block windows and create shelter for thieves. Trim the landscaping so everything (and everyone) is out in the open. Also, check outdoor lighting for burned-out bulbs; ensure your home is well lit to discourage any unwelcome visitors.

If you’re worried about a homeowners insurance claim, this annual checkup can give you a safe home and peace of mind.