Florida in Top 10 for Non-Flood Water Damage

Florida is one of the top 10 states for water-related insurance claims that don't involve flooding. Overall, that's a bit positive. Since the state is the fourth largest in the U.S. – almost third largest – its rank as No. 8 seems better than average.

However, much of the non-flood water damage in states to the north comes courtesy of winter, such as frozen water pipes that burst or basement flooding.

State Farm Insurance says it paid more than $1.3 billion for more than 175,000 water loss claims in 2013. Most resulted from frozen pipes, flooded basements and broken appliance hoses.

Home flood prevention tips:-

• Pull out everything under sinks monthly and check for moisture on the floor and along the wall.
• Check water lines to ice makers, disposals, dishwashers and other appliances that use water being careful not to kink or puncture water lines as the appliance is moved.
• Consider replacing appliance hoses with a tougher hose that's covered in flexible, braided steel.
• Check drains and gutters – water can seep into homes if leaves and debris block gutters and drain pipes.
• Inspect the roof. Check for loose shingles and make sure edging is tight.
• Inspect window frames and doors for gaps between the sills for caulk that needs replaced. Prime/paint and caulk any damaged wood.
• Review and understand what your insurance policy covers.

State Farm's top 10 states for 2013 water-related claims:-

1. Texas: 21,700 claims
2. California: 17,900 claims
3. Georgia: 10,200 claims
4. Pennsylvania: 9,100 claims
5. New York: 8,700 claims
6. Illinois: 8,100 claims
7. Arizona: 5,900 claims
8. Florida: 5,800 claims
9. Michigan: 5,400 claims
10. Tennessee: 4,400 claims

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