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. 

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• Check appliance hoses. Standard hoses are not as durable as they used to be. Replace rubber hoses with steel-braided hoses. This is a low cost fix that could save thousands in water damage.

• 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 the 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.

• Examine the shingles on your roof. Worn, curled or missing shingles allow water in, so replace them as soon as noticed.

• Make sure your water pressure is not set too high. You can purchase a gauge that will help you test your pressure for the appropriate level, which should be set between 60 and 80 PSI.

• Consider buying a water alarm, which can help you find leaks, or automatic shut-off mechanisms, which can help avoid bursts.

  

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