Having Idaho homeowners insurance in place can be reassuring if there’s a water leak in your home and the building or your possessions are affected by insured water damage. Even better, avoid having to mop up after a flood and file an insurance claim by taking a few simple precautions.

•Inspect the plumbing and appliances in your kitchen, laundry room and bathroom and have any leaks fixed before they get worse.
•Learn how to adjust toilet cistern supply, flush and flow valves to avoid leaks and overflows.
•Have your roof and gutters inspected after bad weather and make sure that damage is repaired without delay.
•Schedule inspections of your water heater by a professional at least once a year; regular maintenance of these appliances can avoid corrosion of the tank that can cause slow leaks or sudden bursts.
•Watch for signs of leaks from neighboring apartments if you live in an apartment building.

Idaho homeowners insurance offers financial protection for some forms of water damage, but maintenance of your appliances and plumbing system is your first line of defense against leaks, overflows and floods. Remember that water and electricity are a dangerous mix; make your personal safety a high priority and don’t risk electric shock by entering a flooded room to rescue your belongings.

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