TALLAHASSEE, Fla. – April 8, 2014 – Florida is one of the top 10 states for water-related insurance claims that don't involve flooding. Overall, that's a bit positive. Since the state is the fourth largest in the U.S. – almost third largest – its rank as No. 8 seems better than average.
However, much of the non-flood water damage in states to the north comes courtesy of winter, such as frozen water pipes that burst or basement flooding.
State Farm Insurance says it paid more than $1.3 billion for more than 175,000 water loss claims in 2013. Most resulted from frozen pipes, flooded basements and broken appliance hoses.
Home flood prevention tips
- Pull out everything under sinks monthly and check for moisture on the floor and along the wall.
- Check water lines to ice makers, disposals, dishwashers and other appliances that use water being careful not to kink or puncture water lines as the appliance is moved.
- Consider replacing appliance hoses with a tougher hose that's covered in flexible, braided steel.
- Check drains and gutters – water can seep into homes if leaves and debris block gutters and drain pipes.
- Inspect the roof. Check for loose shingles and make sure edging is tight.
- Inspect window frames and doors for gaps between the sills for caulk that needs replaced. Prime/paint and caulk any damaged wood.
- Review and understand what your insurance policy covers.
State Farm's top 10 states for 2013 water-related claims
- Texas: 21,700 claims
- California: 17,900 claims
- Georgia: 10,200 claims
- Pennsylvania: 9,100 claims
- New York: 8,700 claims
- Illinois: 8,100 claims
- Arizona: 5,900 claims
- Florida: 5,800 claims
- Michigan: 5,400 claims
- Tennessee: 4,400 claims
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