This article on Home Living Handbook might contain affiliate links. If you make a purchase through a link on the site, we may earn a commission.
Water damage can happen fast... are you prepared?
We're covering all areas of the home where water damage is a looming threat. But don't worry; it can happen out of nowhere, but if you're paying attention, you'll be more likely to catch damage before you have a major moisture issue.
Damage can be expensive, and it's especially costly if the leak goes undetected.
Taking simple steps now can help prevent future issues:
1. Insulate Pipes
Frozen pipes are one of the top causes of winter water damage. Insulated pipes are less likely to freeze and burst when temperatures drop.
"The pipes most likely to freeze are ones exposed to cold air or located in unheated areas like crawl spaces, attics, basements, garages and exterior walls," highlighted Shaylin King, Owner of Mr. Rooter Plumbing of Tri-Cities, Yakima, Hermiston.
- Wrap exposed water pipes with foam or fiberglass insulation.
- Focus on pipes in basements, attics, crawl spaces, and exterior walls.
2. Look for Plumbing Leaks
- Check under sinks, behind toilets, and around water heaters for signs of moisture.
- Watch for stains, musty smells, or warped flooring. Any of these issues can be a sign of a plumbing leak.
- Track your water bill! (Can't stress this enough). A sudden increase could mean you have a hidden leak in your plumbing system or supply lines.
- Pay attention to the temps. Avoid frozen pipes.
3. Seal Air Gaps
Cold air and water intrusion often enter through cracks. Cracks where, you ask?
- Look around doors, windows, and wall openings.
- Add more insulation around storm windows for an extra layer of protection.
Proper sealing helps maintain temperature, improve energy efficiency, and reduces condensation that can lead to mold growth.
4. Disconnect Outdoor Hoses
Before winter, take care of outdoor plumbing:
- Disconnect garden hoses and drain them fully.
- Store hoses in a dry place.
- Winterize underground irrigation systems.
- Install frost-free hose bibs to prevent frozen pipes and possible pipe bursts.
5. Add Smart Water Sensors
"While devices like doorbell cameras and phone-controlled light dimmers are highly useful [for home security], there are also devices that can alert you to water gushing from pipes when everyone is away — triggering you to react faster," shared Sarah Griffin, Senior Vice President, Nationwide Personal Lines Product and Underwriting.
If you aren't using water sensors yet, get on board. These smart systems help prevent major water damage and make water damage mitigation faster.
- Place water leak detection devices near sinks, water heaters, or washing machines.
- Some automatic water shutoff devices can stop leaks before they spread.
- Check with your insurance provider; some (like Nationwide) offer devices at no cost to policy holders.
6. Maintain Heating and Water Systems
A healthy heating and plumbing system prevents problems later.
- Service your furnace, water heaters, and other heating units each year.
- Replace your HVAC system's filters. Really, make this a dedicated chore.
- Add insulation to water heaters or exposed supply hoses in cold areas.
- Check your water tank's anode rod. Does it need replacing? The pros empower you to DIY this maintenance: "This is a maintenance job that many homeowners can tackle themselves by simply installing the new rod and reversing the steps used to inspect the old one," shared Tom McConahay, Senior Manager of National Demand Generation at Rheem Manufacturing.
- Have your chimney inspected to prevent water intrusion through cracked mortar.
7. Test Your Sump Pump
Sump pumps help keep basements dry. Routine testing helps prevent flooding and reduces the need for water damage repair later.
- Test the pump regularly to confirm it’s working.
- Check the discharge line and clean any debris.
- Make sure it has power and a functioning check valve.
8. Control Indoor Humidity
High humidity can cause condensation and mold growth.
- Keep indoor humidity between 30–50%.
- Use a dehumidifier in damp areas such as basements or bathrooms.
FAQ
What causes most water damage in homes?
- Broken or burst pipes
- Clogged gutters or downspouts
- Leaky appliances such as dishwashers and washing machines
- Water backup from drains or sump pumps
- Roof leaks or poor water drainage around the foundation
What should I do if a pipe bursts?
- Turn off the main water supply at the main water shut-off valve.
- Take photos and videos for your insurance claim (this is very important).
- Open faucets to drain remaining water from the plumbing system.
- Dry the area using towels, mops, and fans.
- Contact your insurance company or insurance agent to file a claim.
- Call a local plumber for repairs.
Can a single leak cause mold?
Yes, especially if you don't find it right away. And, if you do find it fast, even a small, one-time leak can lead to mold growth if not dried completely.
Mold can start forming within 24–48 hours after water intrusion.
Dry affected areas fast and consider using moisture meters to confirm they’re fully dry.
Does homeowners insurance cover water damage?
Homeowners insurance often covers sudden or accidental damage (peril), such as a burst pipe or water heater failure.
It usually doesn’t cover flooding from outside sources; that requires a flood insurance policy through the National Flood Insurance Program.
Review your insurance policies carefully and discuss coverage with your insurance agent.
How can I prevent water damage year-round?
- Clean and maintain gutter systems and gutter guards.
- Test your sump pump and water sensors regularly.
- Inspect water supply lines to appliances.
- Know the location of your main water shutoff valve.
- Apply water sealant to basement walls if you notice dampness.
What are signs you need mold remediation?
- Persistent musty odor
- Visible mold spots on walls or ceilings
- Worsening allergies or respiratory irritation
If these signs appear after interior water damage, contact a professional mold remediation service.
