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Homeowners Loss Prevention Tips
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Homeowners Loss Prevention Tips

You purchase homeowners insurance to protect yourself from the financial hardship that a total loss could bring. Yet most losses that occur are minor losses that could have easily been prevented through a program of regular preventive maintenance.

Below are some tips to help you get started on your own home preventive maintenance program that will reduce the chance of a minor loss occurring:

Everyday Loss Prevention

Monthly/Quarterly

Semi-annually/Annually

Source: "Preventive Home Maintenance" by Donna Glover, Rough Notes Magazine, October 2003 issue

If a Loss Does Occur...

Insurance is something you purchase hoping you never have to use it. However, if you do have a loss, here are a few points to keep in mind:

  1. Before something happens – be prepared.
  2. Keep a list of all the contents in your home, and put it somewhere safe not in the home. There are two easy ways to create this list:
    • Check with your agent for Central's Household Inventory booklet. This booklet is a helpful guide to listing all your personal property.
    • To create the list electronically, go to www.knowyourstuff.org and download the free home inventory software.
  3. Take pictures and update the list annually. Many people videotape each room and the contents. Keep receipts for all "big ticket" items.
  4. Because the cost of replacing your house rises each year, review your policy annually.
  5. After the loss, take all necessary steps to protect the property from further damage.
  6. In case of robbery or vandalism, call the police.
  7. Call your agent. They will explain your policy and options as well as advise you about any further action you should take.

There are Several Ways to Report a Claim:

  1. Report a claim to your agent.
  2. Report a claim online by going to www.central-insurance.com and clicking on "Report a Claim".
  3. Report a claim by phone:
    • Call 888-263-2924 during regular office hours (between 8:00 a.m. and 7:30 p.m. Eastern Time) Monday through Friday or
    • Call 800-241-2541 after regular office hours and on weekends
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