RISMEDIA, Sept. 9, 2005 — While Washington homeowners are gearing up for end-of-
summer seasonal maintenance, a recent PEMCO Insurance poll shows that four in 10
homeowners fail to perform a simple task to prevent an occurrence that accounts for a
large proportion of homeowner claims.
"As certain as night follows day, the hose that connects the washing machine to the water
source will fail," said Jon Osterberg, PEMCO spokesperson. "It's simply a matter of time
before it fails, and when it does, it's usually expensive."
According to Osterberg, the cost of a broken water hose can be significant, costing
homeowners an average of $500, the typical deductible per claim. When hardwood floors
are involved, costs to PEMCO can reach well into the thousands.
"Water damage can also cause mold to take hold of areas in your home causing
additional damage, and irritating allergies," Osterberg said. "Mold can be prevented or
controlled if you stop water leaks immediately and eliminate dampness and humidity within
48 hours."
PEMCO conducted the poll earlier this year, which queried 600 Washington state
residents, as part of its effort to learn more about its customers.
PEMCO found some interesting trends in the polling data.
According to the 2005 PEMCO Northwest Insurance Poll, Western Washington
households are 10 percent more likely to check water lines regularly than those in Eastern
Washington. Also, 64 percent of men said they check water lines often or occasionally
compared to only 55 percent of women.
The poll also revealed that only 51 percent of college graduates said they checked
washing machine hoses, refrigerator water lines, dishwashers, and hot water tanks for
wear-and-tear leaks often or occasionally, compared to 68 percent of Washington
homeowners without a college education.
A Disaster Waiting to Happen
"The danger of a water leak is that if it's not addressed right away, even a small leak may
cause thousands of dollars of damage to your floors and walls that may or may not be
covered by your homeowners insurance," Osterberg said. "It might not be covered
because dry rot and mold typically develop over time. They're maintenance issues caused
by excess moisture, which is usually preventable. They're not sudden losses."
According to PEMCO, water damage is the number one homeowners claim, beating out
fire, storms and theft.
"Fortunately, most water-damage claims can be prevented with simple maintenance,"
Osterberg said. "You never want to ignore a water leak, or put off replacing hoses, water
lines, or pipes that you know are worn."
Home Maintenance 101
Homeowners need to be aware of where water leaks are mostly likely to happen, and
monitor those areas carefully, according to Osterberg. For example, washing machine
hoses eventually leak, and since the laundry room is a low-traffic area, water damage can
go undetected and be extensive. Dishwasher hoses, automatic ice-maker lines and hot
water heaters also hold hidden dangers homeowners might not be aware of.
"Homeowners also mistakenly assume that because their hot water tank has a liner, it's
not susceptible to leaks," said Osterberg. "Water sediment eventually sinks to the bottom
of the tank and rusts. This creates a flood just waiting to happen."
To prevent these costly homeowners’ claims, PEMCO suggests performing the following
seasonal maintenance checks. Casual observation is the key. Whenever you notice
water, look for the source and then address it:
Check hoses for kinks and cracks next time you do laundry. Replace your washing
machine hoses every five years with a quality high-pressure hose, preferably a durable
metal-mesh hose. Washing machine hoses are available at most home improvement
stores for $5 to $10.
Inspect flooring around your water heater for signs of leaks. A qualified tech should
periodically inspect heaters installed more than five years ago, and if your water heater is
more than 10 years old, consider replacing it.
Inspect refrigerator, dishwasher and outdoor faucet lines for leaks and crimps. Place a
plastic tub under the kitchen sink to catch leaks before damage occurs. If you move your
refrigerator to clean, be careful not to overextend or pinch the ice-maker line. If you see
signs of brittleness or moisture, call a qualified repair technician.
"Homeowners need to realize that seasonal home maintenance is one of the easiest
things to do, but one of the costliest things to overlook," Osterberg said.
Anyone wanting to compare their own answers with poll respondents can do so by visiting
www.pemco.com.
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