8 Tips for Preventing Non-Weather Related Water Damage

Non-weather related water damage is the second leading cause of insurance loss claims. According to the Insurance Information Institute, water damage and freezing accounted for more than 27%

Water damage can be devastating to a home or business — leading to costly repairs, business interruption, and even mold growth. The good news? Early detection and preventive maintenance can significantly reduce your risk.

Here are eight practical tips to help protect your property from non-weather related water damage:

1. Check Hoses, Pipes, and Faucets Regularly

Inspect the visible parts of your plumbing system for drips, leaks, or corrosion. Rust-colored water, small puddles, excess moisture, or noisy pipes can all indicate a problem.

In fact, more than half of non-weather water damage claims are related to plumbing issues — making routine checks especially important.

2. Monitor Your Water Bill

A sudden increase in your water bill could signal a hidden leak in your plumbing or supply line.

To test for leaks:

• Avoid using any water for two hours
• Check your water meter before and after that time.
• If the reading changes, you likely have a leak that needs attention.

3. Schedule Regular Inspections for Water Heaters, Boilers, and AC Units

Have a licensed plumber inspect your water heater on a regular basis. It’s also recommended to have an HVAC professional inspect boilers and air conditioning units every spring to ensure everything is functioning properly and safely.

Proactive servicing can help prevent costly breakdowns and unexpected leaks.

4. Watch for Early Signs of Water Damage

Keep an eye out for:

• Ceiling stains
• Bubbling or peeling paint
• Small cracks in walls or ceilings
• Damp spots or musty odors

Catching these warning signs early can prevent more extensive damage.

5. Complete Regular Roof Inspections

At least once per year, conduct a thorough roof inspection — or hire a qualified roofing contractor to do so. Look for missing shingles, damaged flashing, or signs of wear.

Routine inspections and prompt repairs can help eliminate potential entry points for water.

6. Fix Issues Quickly

If you discover a leak or any condition that could cause water damage, address it immediately. Shut off the water supply and contact a plumber right away.

According to FEMA, mold can begin growing on damp surfaces within 24–48 hours, which can significantly increase repair costs and health risks.

7. Clean Your Gutters Regularly

Experts recommend cleaning gutters at least twice per year. Clogged gutters prevent proper drainage, allowing water to back up under your roof or pool around your foundation — potentially leading to basement leaks or structural damage.

Proper drainage is key to preventing water intrusion.

8. Test and Inspect Sump Pumps Regularly

Sump pumps should be tested at least annually — and more frequently during periods of heavy rainfall. Ensuring your sump pump is functioning properly can prevent basement flooding and costly repairs.

Prevention Makes a Difference

Water damage can happen quickly, but many losses are preventable with regular maintenance and awareness. Taking proactive steps today can help protect your home or business tomorrow.

If you have questions about your property insurance coverage or want to review your policy, the Van Dyk Group team is here to help ensure you’re properly protected.

Contact us today to learn more.

Last Updated on May 15, 2026