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Safety and Security

20 Ways to Protect Your Home from Flooding and Water DamageWater damage claims have surpassed fire claims as the number one cause of home insurance losses in much of the country. The weather can be unpredictable, but you can take precautions now to minimize the chance your home will sustain damage in advance of a heavy rainfall. Read more »
Environment Canada has issued early April freezing rain warnings. Here is a list of things you can do to protect your home from damage. Read more »
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Safety and Security

Safety and Security

The safety and security of your home is very important. If you have guests over, you want to make sure that your house is not going to pose a risk to them. If it does, this can result in lawsuits and also claims against your home. A home that is safe is often a home that does not have any claims. Maintaining a claim free home is important because it will keep you from paying higher premium rates overall.

Whenever work is being performed on your home, make sure you hire an experienced and also licensed contractor to avoid any problems or risks with the work. Implementing new security measures and also taking steps to protect your home will ensure that you stay claim and lawsuit free.

How to Keep Your Home Safe

There are a few different ways that you can keep your home safe and prevent any accidents before they occur.
One of the many things you want to do is make sure that you have smoke detectors installed in the home. This will allow you to catch any potential fires before they occur. You should always make sure that the detectors have fresh batteries and are working properly.

Another thing you will want to keep in the home is fire extinguishers. These will help you in the event that there is an accidental fire. You can extinguish the fire before it spreads and causes damage to your home.

Other safety equipment such as carbon monoxide monitors, security systems, and lights can be installed in your home to add some extra protection to your and your family.

How to Protect Yourself against Claims and Lawsuits

Keeping your home safe means going the extra mile to prevent accidents that can lead to lawsuits and also claims against you. It can be very frustrating if something does happen and you find yourself in the center of a lawsuit.

Keeping a safe home means that you will not have to pay very high premiums and you can reap the rewards that are offered to homeowners who keep their homes free from claims and lawsuits.

There are some steps you can take to make sure that your home stays claim free and also lawsuit free.

  • Always make sure there are no loose tiles or slippery floors
    Having guests over means that you have people walking through your home constantly. Make sure that if the floor is wet, you advise the people who are there. A slip and fall accident can be seriously and can be grounds for a lawsuit against you. You will also want to remove any loose tiles or repair them before having company over.
  • If you have a dog or other animal, keep them locked up
    Many people choose to lock up their animals when they have guests over because anything can happen and even a nuzzle by a puppy may be construed as biting to someone else. While you can decide for yourself what to do with your animal, remember that insurance premiums will rise if a suit is filed due to an animal bite.
  • Improving the security of your home makes a difference
    Stepping up procedures to protect your home against break-ins and also robberies means that you will have less of a chance of anything happening. You can install sensor lights, security cameras, and alarms to deter anything from happening. This will reduce the risk of a claim needing to be made based on a loss.
  • Always hire a professional
    Hiring a professional to perform work on your home will mean that you are guaranteed a safer chance of problems getting handled. Never try to do electrical or plumbing work by yourself if you do not have the experience. This can result in floods or even a fire and raise the chances of having to make a claim.

Don’t risk paying higher insurance rates because your home is not properly equipped and guarded to have people over. It is important to make sure that you are always going the extra mile to keep your home free so that you do not become subject to a lawsuit or have to file an insurance claim.

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