When it comes to protecting your home, most homeowners think about obvious risks like storms, theft, or fire. But many claims arise from smaller, overlooked hazards inside the home. These seemingly minor issues can cause significant damage and sometimes even lead to life-threatening situations. Here are a few common but often forgotten household hazards that could lead to an insurance claim.
1. Overloaded Electrical Outlets
Plugging too many devices into a single outlet can overheat wiring, trip breakers, or even start a fire. With today’s increasing reliance on electronics, homeowners should avoid “daisy-chaining” power bars or using unsafe extension cords. A fire caused by electrical overload is both dangerous and preventable.
2. Improper Battery Storage
Many households toss used batteries into junk drawers or leave them in a container together. But when batteries of different sizes and charge levels touch, they can spark or leak corrosive chemicals. Safely store and recycle used batteries at designated drop-off locations to reduce this risk.
3. Blocked Dryer Vents
Lint is highly flammable, and dryer vent blockages are a leading cause of house fires. Even if you clean the lint trap after every load, lint builds up inside the vent hose and ductwork. Inspect and clean vents regularly to ensure proper airflow and reduce fire hazards.
4. Expired Smoke and CO Detectors
Smoke alarms and carbon monoxide (CO) detectors are vital for early warning, but they don’t last forever. Most units have a lifespan of 7–10 years, and batteries should be replaced annually. An expired detector may not alert you in time, which can be a matter of life or death.
5. Cluttered Utility Areas
Furnaces, hot water heaters, and electrical panels need space to operate safely. Storing flammable materials like paint, cardboard boxes, or cleaning supplies too close to these systems can increase fire risk and interfere with emergency access.
Why Prevention Matters
While insurance may cover certain damages, prevention is always the best protection. By addressing these overlooked hazards, you not only keep your home and family safe but also reduce the chance of costly claims and higher premiums.
At Gibb Insurance Brokers, we’re here to help you safeguard your home inside and out. Contact our team to review your coverage and learn more about proactive steps you can take to protect what matters most.