We know how hard you work to keep your house and your family safe from any types of safety hazards. You always make sure things are in their proper place and you try to keep your home as tidy and as safe as possible.
Whether you have kids and a big family, or you live alone, there are certain things that can go unnoticed in your home that could result in serious damage and safety risks.
If you have household insurance (then high five to you), and of course if you have household insurance through Oneplan (can we get a double high five!?), then you might assume that you are covered for all damages to your belongings in your home.
The thing is…
In your home insurance contract, you will see that your insurer will cover you for accidental and malicious damage (when someone purposely damages your home), but you are not covered for damage that is caused by poor maintenance on your part.
In fact, some home insurance claims have been rejected due to the damage that you could have prevented through properly maintaining your home and belongings.
This is not to say that the following types of safety hazards in your home will all be rejected when it comes to claiming from your household insurance, but it does certainly help to know about them and prevent them for your own safety.
And, because we like to actually pay our claims to our clients, we have put together a list of the top 4 types of safety hazards in your home that you might not even know about and how to prevent them…
The hidden types of safety hazards in your home that could result in serious damage to your house and belongings
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Power surges
Staying constantly connected to technology is so easy in today’s modern world. Your computer, TV, laptop, and other electronic devices are all plugged in all the time. But, being plugged in could put these items at risk of a power surge.
We all know how crazy the South African summer storms can be. When lightning strikes, a power surge from the lightning can damage your appliances and electronics and can even result in a house fire.
You can prevent this by buying some surge protectors and remembering to unplug your appliances and other electronics during storms.
Read this: How to Reduce Electricity Usage & Save Some Serious Bucks
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Laundry and lint traps
Lint is the fine and small pieces of material from your clothes that can build up in your tumble dryer.
When this lint accumulates over time (by forgetting to clean it out), it can block the filter/vent and this can lead to a house fire.
Make sure you clean this filter every year and clear your dryer of lint on a regular basis to prevent a fire from happening. Your dryer will also run a lot smoother by doing this.
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Roof leaks
Water damage in your home tends to always be a result of bad maintenance.
Water can then seep in through a cracked tile in your roof and then build up in your ceiling boards. This causes mold.
The problem from water damage will have started long before you even noticed it. Meaning a large amount of damage is already done before you start to see the stains in your ceiling.
You need to regularly check your roof for leaks and water damage.
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Unsecured windows and doors
Leaving your doors and windows unlocked and unsecured is basically leaving an open invitation for burglars to come into your home.
Protect yourself from this by always making sure your doors are locked, windows are secured, you have burglar bars, electric fencing, and even an alarm. All of this helps when claiming for a burglary and could result in you paying less in your monthly premium when you have all of these security systems in place.
Read this: Buying Your First Home? The Top 7 Mistakes to Avoid When You’re A First-Time Homebuyer
We want to make sure your claims are paid, and more than that, we want to make sure that you and your family are safe in your home from any types of safety hazards. Don’t get caught out by hidden dangers in your house. Make sure you read this blog article carefully and check if your home might be at risk of any of these common types of safety hazards.
Life is complicated, insurance shouldn’t be.
Related: 4 Things to Know About Household Insurance (#4 Is Awesome)
If you don’t have household insurance, then why not go with Oneplan? It only takes one minute to sign up and one minute to get insured.
Yours in hassle-free household insurance,
Oneplan
