How Do I Prevent Water Damage in My Home?

Aged pipes and connections are common failure points. Check under sinks, around toilets, and near water heaters for any signs of moisture, corrosion, or slow drips. Replace washing machine hoses every five years, as they can burst. If you notice a drop in water pressure or discolored water, these could indicate hidden leaks that need a plumber's attention.

In colder months, prevent frozen pipes by insulating those in unheated areas like crawlspaces or garages. Letting a faucet drip slightly during a hard freeze can keep water moving. If you plan to be away, set your thermostat no lower than 55 degrees Fahrenheit. Knowing the location of your main water shut-off valve allows you to stop the flow quickly during a major leak.

Your roof and gutters are your home's first defense against rain. Missing or damaged shingles can allow water to seep into your attic and walls. After storms, look for water stains on ceilings or in your attic as clues to a leak. In Federal Way, checking your roof after the fall season for debris is a practical step.

Clogged gutters cause water to overflow and pool against your foundation, which can lead to basement or crawlspace flooding. Clean them at least twice a year. Ensure downspouts extend at least five feet away from your house. Grade the soil around your foundation so it slopes away from the structure, directing surface water elsewhere.

• Inspect roof shingles and flashing for damage seasonally.
• Clean gutters and downspouts in spring and fall.
• Extend downspouts to direct water away from the foundation.
• Ensure soil grading slopes away from the house.
• Seal cracks in your foundation with hydraulic cement.
• Trim tree branches that overhang and could damage the roof.

Review your homeowner's insurance policy to understand what types of water damage are covered. Sudden, accidental events like a burst pipe are often covered, while damage from long-term neglect or flooding typically is not. Policies vary, and your insurer decides what is covered. Keep an inventory of your possessions and photos of your home's condition; this documentation is invaluable if you need to file a claim.

If you experience water damage, document everything with photos and videos before you start cleaning up. Contact your insurance company promptly to report the incident and ask about their specific claim process. Save receipts for any temporary repairs or costs incurred. An honest, detailed account and evidence help ensure the claims process goes as smoothly as possible.