Sep 202014
 

Moho en techoHomeowners should keep their homes in top shape by doing their best to prevent damages and accidents due to factors such as natural disasters and mold. They do this as a means of protecting their investment and reducing the likelihood for a home insurance claim.

Each year, homes endure a variety of weather trends including heavy snows and strong sun rays. This can cause the roof, decks and walls to deteriorate. This post will discuss the areas that should be inspected so that homeowners are not met with an insurance claim due to their own negligence of necessary maintenance.

Areas of the Home to Inspect for Mold

1. Humidity in the Home

Keep the humidity in the home down to a level between 30-50%. this can be achieved by doing the following: * Placing the vents for the bathroom and dryer on the outside.
* Use air conditioners and de-humidifiers in the home.
* Add crawlspace and attic vents to increase ventilation.
* Use exhaust fans while doing activities such as cooking cleaning and dishwashing.

2. Reduce the Potential for Condensation

Molds are attracted to moisture. As a matter-of-fact, moisture areas are a breeding ground for molds. Measures should be taken to reduce or eliminate these areas in the home.

humedad capilaridad* Cold surfaces in the home such as pipes, exterior walls, windows, the roof and floor are potential areas where condensation can take place. The risk of condensation can be significantly reduced if homeowners add insulation to cold surfaces.

* Conduct regular inspections so you can pick up on any indications that moisture is accumulating on any indoor surface. Moisture sources within the house can include showers, leaking pipes, tubs, appliance hoses, sinks and toilets. Steel-reinforced hoses should replace any plastic hoses.

3. Keep an Eye on the Water Bill

* Water bills that are unusually high may be an indication that there is a water leak in the home. Check for any such leak and take care of it immediately.

4. Do Extra Checks During Rainy Seasons

* The rain brings moisture which can accumulate in areas such as leaky ceilings, attics, windows and doors. These areas should be checked for any evidence of water stains or odors. Issues with leaks in the roof, plumbing and flashing should be addressed immediately.

photo-gutter5. Clean and Maintain Gutters

* Cluttered and poorly maintained gutters will not take the water away from the house efficiently.

Keep these areas clean and well maintained, and also ensure that the drainpipes will take the water a respectable distance from the house.

6. Do Not Carpet Moisture Prone Areas

* Avoid carpeting moisture prone areas such as bathrooms, kitchens and basements. Keeping these areas dry and cleaning bathrooms with mold killing products will help to keep the mold away.

7. Turn off Main Valve Before Going on Vacation

* Homeowners who plan to leave their home on a vacation or some other trip should ensure they turn off the main water valve before leaving on their trip. It is also advisable to have a trusted relative or neighbor make periodic internal and external moisture checks on the house while you are away.

References

http://insurance.illinois.gov/HomeInsurance/mold.asp
https://www.travelers.com/personal-insurance/home-insurance/protect-house-from-mold.aspx

 

Guest post contributed by Christian Westerberg. He is an insurance expert that has recently turned his hand to freelance writing. He enjoys sharing his insights on various property blogs.

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