Archive for Home News

Appliance Hoses

Should You Be Worried???

There’s a ticking time bomb in your Tulsa, Oklahoma house right now, waiting to strike when you least expect it. In fact, there might even be more than one. And each can cause thousands and thousands of dollars in damage.

We here at Statewide Insurance are talking about faulty appliance hoses, of course.

Consider your humble washing machine: According to the Insurance Institute for Business & Home Safety (IBHS), washing-machine failures cost an average of more than $5,000, and faulty hoses are responsible for more than half of those failures.

You can take steps to defuse these ticking time bombs — or at least make them less likely to go off. Here are the common hoses and tubes you should be checking:

Hoses

Washing Machine

Most washing machines come with rubber hoses that connect to your water supply — hoses that can wear out and eventually burst. The IBHS says to check frequently for blisters, worn tubing, stress cracks and loose connections. Even if there is no obvious wear, replace hoses every five years. Use a reinforced steel-braided hose, as they are less likely to fail.

Dryer

Although you should clean the lint trap in your dryer with every load, danger lurks behind the dryer as well. Flexible plastic or foil ducting can easily trap lint and increase the risk of fire, according to the U.S. Consumer Product Safety Commission. The agency recommends the use of a rigid or semi-rigid metal duct instead. Whichever you use, be sure to disconnect and clean the ducting annually.

Refrigerator

If your refrigerator has an ice maker or water dispenser, it also has a hose connecting it to the water supply. Replace the standard hose with a steel-braided line for added security.

Dishwasher

Dishwasher leaks can easily go undetected, so it’s important to check these connections regularly as well. Make sure that hoses and lines have no kinks, and periodically remove and clean the filter in the dishwasher, which is designed to stop food pieces from making it into the drain hose. 

Gas Grills

At least once a year (typically when you fire up the grill for the first time after winter), check the hose connecting the fuel source to the burners. Simply brush it with some soapy water, turn the gas on (do not light the grill) and check the hose for air bubbles. If you see any, replace the hose and fitting.


In addition to checking your hoses regularly and replacing them when needed, there are monitoring systems available now that can automatically shut off your water supply in the event of a failure. Some detect leaks with moisture indicators, while at least one new system actually checks your water meter for unusual activity.

To further protect you, your homeowners insurance may cover certain damage that results from appliance hose failures. But, it all depends on the circumstances of your situation and on your specific policy. You may find that an appliance hose failure is not covered by your insurance, so it’s best to maintain your appliances to avoid damage in the first place.

 

If you have questions about your homeowners insurance coverage or need help with a claim, we here at Statewide Insurance Agency are happy to help.

Water Damage Prevention Tips

Leaking Faucet

Even a small leak can become a major problem, so knowing what you’re covered for and how to prevent water damage are equally important.  The below tips should help uncover any potential water problems down the road and keep your property dry this summer.

  • Check appliance hoses.
  • Broken tiles in the shower can allow water to leak into the walls or on the floor.
    • Replace cracked tiles and re-grout when needed.

  • Run dishwasher and washing machine only when you are home. 
    • If a leak occurs, you can turn the appliance off right away. 

  • When on vacation, turn off the main water supply to your house.

  • Keep storm drains near your house clear of leaves.

  • Install a gutter guard.
    • This can prevent a rooftop disaster caused by drain clogs, and also prevents flooding by water that isn’t carried away from the house.

  • Install a water pressure gauge.
    • An inexpensive gauge can prevent damage caused by water pressure that’s too high. 
    • Pressure should be between 60 and 80 PSI. 

  • Have the correct insurance coverage.
    • We currently represent and offer free Home, Auto & Renters insurance quotes from over 10 different companies!
    • By doing so, we are able to find the company that is best for you.

Edmond Home Insurance Decreases With New Protection Class

This summer, several Edmond homeowners will see some pricing relief on their home insurance rates due to the diligent efforts of the City of Edmond and particularly the Edmond Fire Department.  The lower rates will result from revised Protection Class changes that start this summer.  The Protection Classification is a measure of the overall ability of a department to respond to a fire.  Home insurance companies in Edmond and all of Oklahoma use the Fire Protection Rating System (FPRS) to assist them in establishing homeowners insurance rates.  A link to the article in the Edmond Sun is below.

Thank You City of Edmond/Edmond Fire Department!

http://www.edmondsun.com/news/edmond-residents-could-see-reduced-insurance-rates/article_b79aa620-08f6-11e6-a514-93d88ddd0dce.html

 

Happy Mothers Day 2016

Happy Mother's Day