State Farm paid out $1.3 billion in water-related claims in 2013

State Farm is reminding consumers to check their homeowners’ policies and understand what’s covered for water damage, after paying out $1.3 billion for water loss claims last year.

The insurer paid out that sum for more than 180,000 water loss claims resulting from burst frozen pipes, flooded basements, and broken appliance hoses. That’s an average of $7,200 per claim. 

In Canada, Ontario saw the most water-related claims, with 4,470, followed by Alberta with 560, and New Brunswick with 120.   The top 5 American states with the most water-related claims were:  

• Texas – 21,700 claims
• California – 17,900 claims
• Georgia – 10,200 claims
• Pennsylvania – 9,100 claims
• New York – 8,700 claims

Along with reminding consumers to check their policies, State Farm also recommends prevention tips, including: 

• Pull out everything under sinks monthly and check for moisture all the way back to the wall
• Check water lines to ice makers, disposals, dishwashers and other appliances. Be sure not to kink or puncture water lines if the appliance is moved
• Check the sump pump regularly as the metal pole on pedestal pumps can corrode, plus the float and intake can become stuck or clogged
• Check your drains and gutters every few months. Water can seep into your home if leaves and debris block gutters and drain pipes
• Gutters and downspouts should extend far enough from the foundation to carry water away from the dwelling. The ground should slope away from your home, garage and outbuildings
• Inspect your roof yearly. Make sure you don’t have any loose shingles
• Inspect window frames and look around windows and doors for gaps between the sills where caulk needs replacing
• Replace appliance hoses with a tougher hose that’s covered in flexible, braided steel
• Items stored in basements should be shelved or kept off the floor and furniture should be on casters or shims and arranged away from floor drains