How to Prevent the Most Common Household Claims

Unexpected incidents at home can occur at any time, but with appropriate preventive measures it is possible to reduce risks and keep your home in optimal condition. In addition to having suitable home insurance, it is important to carry out small actions that contribute to protecting your property.

Below, we offer some practical tips that will help keep your home safe:

Regular maintenance of pipes and taps

Water damage is the most common type of household claim. Checking hoses, joints, and shut-off valves at least once a year can prevent major leaks. Detecting damp patches, loss of pressure, or dripping early helps avoid more serious damage to your home and to neighbouring properties.

Inspection of the electrical installation

In properties over 20 years old, it is advisable to check the condition of the electrical panel and ensure that the installation complies with current regulations. Avoiding overloaded sockets, replacing damaged cables, and checking power strips reduces the risk of short circuits and possible fires. Frequent tripping of the residual current device indicates that a professional inspection is necessary.

Precautions during prolonged absences

Before going on holiday or being away for several days, turning off the main water supply is a simple but effective measure. It is also advisable to unplug sensitive appliances and ensure that doors and windows are properly closed. These actions significantly reduce the likelihood of serious incidents while you are away from home.

Protection against weather-related phenomena

Heavy rain, wind, or hail can cause damage to windows, terraces, or roofs. Cleaning gutters, checking seals, and securing outdoor objects helps minimise risks during storms or adverse weather conditions.

Review and updating of your insurance policy

Situations such as renovations or the purchase of new furniture can alter the actual value of the property and its contents. Periodically reviewing the insured sums and coverage ensures adequate protection in the event of a claim.

Segur For Team, the best protection for your home

Beyond being cautious, it is essential to have professional advice and a home insurance policy suited to each property. Segur For Team, an insurance brokerage with over 20 years of experience, works with the leading insurance companies in the market to offer coverage tailored to each home.

Their team analyses each situation on a personalised basis, reviews insured values and conditions, and supports you throughout the entire life of the policy, including claims management. With Segur For Team, your home will be protected and you will enjoy the peace of mind of having a trusted point of contact at all times.