When water backs up, overflows, or floods, it usually goes where it doesn’t belong.

Are you concerned about water ruining your home? If that is a worry that you have, the following list can help you spot and fix some of the most common home water damage problems. Some you can take care of on your own, while others are definitely best left to the experts.

Since problems are never 100% avoidable, extra insurance coverage can help if water still seeps into your home. One of our experienced, licensed insurance professionals will be happy to assist with any questions you may have concerning your homeowners insurance. One way to expand your coverages on your home policy is by adding the Extended Water endorsement offered by Erie Insurance.

This endorsement features coverage for:

  • Basements and other rooms that flood during a storm or various flooding events5
  • Water that backs up from sewers or drains (separate Water Backup endorsement required in North Carolina)
  • Repair or replacement costs for both your home and personal property5
  • Additional living costs associated with temporarily relocating while your home is being restored1
  • Flood avoidance reimbursement (up to $10,000) to help proactively protect your home before flooding occurs

How Can You Protect Your Home From Water Damage?

The problem: Plumbing failure from frozen, rusted or leaky pipes

The solution: Remember, an ounce of prevention really is worth a pound of cure. Look for any telltale signs of leaks like unusually high water bills, mold or mildew growth, water stains on walls and warm spots on your floor. To prevent frozen pipes, keep your home’s temperature no lower than 55 degrees Fahrenheit.

Level of difficulty: Easy – if you know what to look for and stop a minor problem before it becomes a bigger one.

The problem: Plumbing drain system failures

The solution: Drain system failures are more common when your local storm water system is tied to your home’s sewer system. To prevent problems, install a backflow prevention assembly in your drain system. Also, remember to refrain from pouring grease down your drain; instead, let it cool before bagging and disposing of it.

Level of difficulty: While grease disposal is a no-brainer, it’s best to seek professional help installing a backflow prevention assembly.

The problem: Weak washing machine hoses

The solution: Replace hoses every five years and choose a reinforced steel-braided hose over a less durable rubber hose. And if your washer has seen better days, it might be time to replace the whole thing to prevent bigger issues.

Level of difficulty: Replacing a hose is a moderate job if you’re somewhat handy. Otherwise, call your plumber.

The problem: Water heater failure

The solution: Replace the sacrificial anode rod that diverts corrosion away from the tank at least once every two years. Also, flush your tank every six months to prevent sediment buildup.

Level of difficulty: Relatively easy. If you’re not handy, call your plumber.