Multirisk insurance: Tips for maintaining and protecting your home.

From plumbing to the roof, here are the best practices to keep your house safe and well protected.

Keeping the house in good condition not only increases comfort and safety, but it can also avoid complications when activating multi-risk insurance.

From the building structure to drainage and insulation systems, every detail matters to prevent damage caused by wear and tear, weather conditions, or unexpected failures.  

In this article, we gather the main precautions to take, according to the Ocidental insurer, to protect your home and ensure that you are always prepared for any unforeseen events. 

Preventive maintenance: Small care, great benefits

Taking care of your home regularly prevents costly problems and ensures that, in case of a claim, the multi-risk insurance covers damages without complications. These are the main points to pay attention to:

• Reinforcing the building structure: Check and repair cracks in walls and ceilings, as well as any degraded insulation. Small faults can turn into infiltrations or serious structural problems;

• Inspecting the plumbing system: In houses over 20 years old, pipes can wear down, increasing the risk of water leaks. Conduct regular inspections and replace old pipes if necessary;  

• Check the insulations: Bathtub joints, shower trays, and worn out frames can cause humidity and mold. Review and replace the seals to prevent future problems;  

• Keep drainage systems clean: Clean drains, gutters, and drainage systems frequently to prevent clogs and floods, especially before the rainy season.

• Make an inspection before the rains: Make sure that roofs, windows, skylights, terraces, and doors are in good condition and properly sealed to prevent leaks and damage caused by bad weather;

• Clean the filters of the exhaust fans: The accumulation of grease in the kitchen exhaust fans can represent a fire hazard. Clean the filters regularly to ensure proper operation and safety.  

• Have a fire extinguisher at home: Having an accessible fire extinguisher and knowing how to use it can make a difference in case of emergency. Choose a suitable model for household use and keep it in a visible location.  

Multi-risk insurance may not cover damage caused by negligence in maintenance. Therefore, taking care of your house not only protects your assets, but also prevents unpleasant surprises when you need insurance the most.

Read more: Home multi-risk insurance: What are the essential coverages?

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