Did you know, not all water damage losses are covered by the homeowners policy? These losses can be very expensive. But, there are ways you can safeguard your home from water damage losses. Here are a few areas of your home to consider:

• Check your home’s drainage system to see if proper water drainage occurs. EXAMPLE: gutter downspouts should extend the proper distance from the foundation. Keep gutters clear of debris so water can drain properly.
• Is your yard properly graded to slope away from the home to allow surface water to adequately drain?
• If your basement is vulnerable to water collection, consider installing a sump pump system to keep unwanted water out of this part of your home.
• Washing machine hose failures cause millions of dollars of water losses each year. Check hoses periodically and replace at the first sign of wear. When replacing, many insurance adjusters recommend upgrading to the heavy-duty wire mesh or stainless steel hoses.
  

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Based on a study by the National Center for Injury Prevention and Control, dog bites cause over 800,000 injuries requiring immediate medical attention each year in the U.S. If your dog bites someone, you can be held legally liable. Fortunately, this loss is normally covered under your homeowner's policy. But, what if you can take steps to HELP PREVENT or reduce the chances of dog bites?

Ponder these suggestions:

• Carefully consider the breed when choosing a dog since some breeds can be more aggressive than others. A veterinarian can help you decide which breeds best suit your lifestyle. Also note: some insurers may not insure all breeds, so check your insurance policy for limitations.
  
• You may want to spay or neuter you dog since this often decreases aggressive tendencies.
• Socialize your dog from an early age to encourage and foster appropriate behavior.
  
• Never leave dogs alone with small children.
• Avoid playing aggressive games like tug-of-war with your puppy or dog.
• Do not place your dog in a situation where it can be teased or feel threatened.
• Train your dog to obey commands.

Another loss exposure to consider.
You may face liability claims if your dog gets out in the road and causes or contributes to an auto accident. Homeowners can be sued for violation of leash ordinances by allowing their dog to "run at large." Use a well-maintained and sturdy fence or other safeguards to reduce this exposure.