Home Loss Prevention Checklist

Fire Protection

□ Approved and properly charged and maintained fire extinguishers in garage and near kitchen.

□ Fire/smoke alarms properly distributed throughout the premises…replace batteries at least twice annually.

□ Carbon monoxide detector.

□ Avoid storing flammables in the home or garage…use a small, detached storage shed.

Electrical

□ Extension cords should be used only temporarily, check for fraying.

□ Don’t overload electrical outlets.

□ Use surge protectors on major appliances, TVs, PCs, etc.

□ Label all circuit breakers and check regularly for tripping.

Plumbing & HVAC

□ Inspect entire plumbing system for leaks.

□ Install a pressure reducing valve if hydrostatic pressure exceeds acceptable standards.

□ Know where your primary water shut-off valve is located and keep a valve key on hand if needed.

□ Inspect water heater, pan, piping, and vent…know how to operate gas shut-off if necessary.

□ Avoid using space heaters, either electrical or kerosene.

□ Change HVAC filters at least monthly and clean ductwork at least every three years.

Bathrooms

□ Maintain tub and shower caulking and grouting around tile and fixtures.

□ Remove mildew weekly with a mild bleach solution.

□ If moisture builds up on ceilings or walls, check and correct bathroom ventilation.

Other Interior Areas

□ Check basement and crawl space for dampness and take corrective action such as French drains, sump pump, etc.

□ Consider treating exposed crawl space wood with a borate solution to prevent mold and insect damage.

□ Check ceilings and attics for evidence of water damage…correct immediately.

□ Check attic and crawl space ventilation to prevent moisture build-up.

Other Interior Areas (cont’d)

□ Check for ceiling, wall and joint separations and cracks and take corrective action as warranted.

□ Check floors for creaking that could indicate structural or moisture problems.

Exterior Areas

□ Check roof for wear, torn or missing shingles, and mildew.

□ Check chimney flashing, rain cap, mortar, and caulking.

□ Check gutters for debris…consider a protective system such as Gutter Guard.

□ As possible, remove snow/ice accumulations from roof and prevent ice dams.

□ Make sure downspouts direct water well away from foundation.

□ Grading should slope away from foundation.

□ Check window and door sills and framework for weathering and moisture retention.

□ Inspect fireplaces and roof areas for creosote build-up and clean annually.

□ Inspect exterior brick and siding for gaps, missing mortar, etc.

□ Clean vinyl/aluminum siding to prevent weathering.

General

□ Contract for quarterly termite, ant and other inspect inspection and treatment services.

□ Before buying a house, ask your agent about obtaining a “CLUE” report on it.

Crime Exposures

□ Install adequate deadbolt locks.

□ Consider a burglar alarm system, particularly one with central station service.

□ Keep shrubbery trimmed low and away from windows and doors.

□ Use exterior lighting, particularly motion sensored.

□ Keep vehicle doors locked when parked on the premises.

□ Start a Neighborhood Watch program.

Liability Exposures

□ Repair pavement cracks, loose steps, railings, and decks.

□ If you are considering acquiring a dog, check with your agent for breeds that could cause insurance problems.

□ Check with your agent if you are considering installing a swimming pool or purchasing a trampoline.

Disclaimer: This information is intended for educational and information purposes only. IIABA and THE EGIS GROUP make no warranties or representations, express or implied, with respect to the accuracy, completeness or usefulness of this information. It is not a recommendation that a particular course of action be followed. IIABA and THE EGIS GROUP does not assume and has no responsibility for liability or damage which may result from the use of any of this information.

Copyright 2003 by the Independent Insurance Agents & Brokers of America. All rights reserved.

No portion of this document may be reproduced without the express written consent of IIABA.

An exception is made for non-commercial use by IIABA member agencies.

For additional information, visit www.iiaba.net/vu.

Edition: May 9, 2003