Water damage is more than just a bad day, it could ruin some of life’s most precious moments and memories. When you want to avoid expensive water damage claims or repairs, there are a number of things you can do for preventive measures. 

At Pizano Insurance, we want Wayzata, MN home and business owners to get the most out of their home insurance policies, without expensive claims. Start outside the home when you are trying to prevent water damage.

Take these steps to prevent water from coming into the home.

Disconnect Hoses

When you have hoses outside, there is always the potential for standing water. If those hoses are connected to a pipe, that water can move back into the building and even freeze in the pipes. That will lead to burst pipes and water explosions everywhere. 

In your home, that will lead to floor and wall damage, and could even lead to damage to the foundation. Disconnect all of your hoses outside, and put the hoses away when you know you won’t be needing them again that season.

Clean Downspouts and Gutters

You should be doing this job at least twice a year, as this will help to avoid ice dams and blockages from ice or plugged sewers.  If you have unmanaged water flow this could lead to puddles that cause problems with the foundation. You’ll see leaks, water damage, and even flooding. 

Clean the gutters and downspouts to make sure that when water or weather flows, it flows seamlessly. Make sure your downspouts are pointed away from the house.

Maintain Outside Trees and Shrubs

You don’t need to do too much maintenance here but to check the vegetation around your pipes. When you have branches, vines, and leaves wrapping around your pipes or growing in that direction, you want to maintain those branches in the opposite direction. Remove them entirely if you can. 

Update Your Insurance

In the worst-case scenario, water damage is going to lead to a home insurance claim. At Pizano Insurance, we want Wayzata, MN residents to take preventive measures there to protect the contents they’ve grown their whole life. Update your home insurance policy to make sure you are protected from water damage. Call us for a quote today.

If you own a home in Wayzata, MN, homeowner’s insurance is essential to protecting your most valuable investment. The experts at Pizano Insurance highly recommend finding a quality, reliable insurance plan that will cover you and your possessions in the event of any damage or danger to your home. 

Oftentimes, home insurance will cover weather-related damage, such as severe storms, lightning, fire, hurricanes, tornadoes, hail, and more. 

Structural coverage is important, particularly when you live in an area with unpredictable weather patterns, heavy rain, and natural disasters. 

Home insurance can also cover your personal property inside the home. Your possessions, including clothing, furniture, electronics, and more can be covered in the event they are stolen or damaged. 

There are many additional coverage add-ons you can obtain, like earthquake or flooding damage and liability protection. 

While some of these insurance options may not seem necessary for you to protect your home, we can assure you that in the event of a storm or if your home gets broken into, you will want to be fully covered. 

We can’t predict what could happen to our homes, so it’s best to be fully covered just in case. Your home is likely going to be the biggest investment you ever make, and you want to protect it accordingly. 

Homeowners in the Wayzata, MN area that are looking for a high-quality, full coverage insurance plan should reach out to the team at Pizano Insurance. Our team of experts have years of experience and can help find the best insurance plan for you and your biggest investment. We are happy to help you and your family protect your assets and set yourself up for financial success.  

Those that are in the Wayzata, MN area and are property owners will always want to know that they are fully covered by insurance. Your home in Minnesota is a very major investment that you should protect to ensure you can enjoy it for years to come. The best way to ensure you are able to do this is by getting home insurance. This coverage can protect a property owner here in several ways. 

Coverage Will Protect Assets

A reason that you will want to have a home insurance plan is that it is an effective way to protect your assets. Your home insurance plan is going to give the coverage needed to repair your home if it is damaged by a fire, bad weather, or other challenging situations. The policy also offers coverage and support for personal items that can be lost, damaged, or stolen.

Liability Support

Property owners should always make sure they recognize their liability risk and protect against it. Some liability risks that property owners take on can include if someone is injured while in their home or if an issue with their property causes damage to another home or someone’s personal assets. A liability insurance plan offers great support against any liability claims that could arise, which can be quite helpful in some situations. 

Property owners in the Wayzata, MN area should always have proper insurance coverage in place. As you are assessing your insurance options in this part of Minnesota, calling Pizano Insurance will be helpful. There are a lot of choices that need to be made and Pizano Insurance can help you properly evaluate your needs and options. This assessment and support can help ensure that you will remain properly covered and insured at all times. 

If you own a home in Minnesota, you are not required to have home insurance in place under the law of the state. If you have taken out a loan through a mortgage lender or bank, girl ender well more than likely requires you to have homeowners insurance in place. Even if you do not owe on your home and paid cash for it or ended up with it through inheritance and do not owe money for it, you should still consider having a home insurance policy in place for the Peace of Mind and protection it will provide to you and your family. The home insurance agents at Pizano Insurance in Wayzata, MN understand the importance of having your home insured.

Homeowners insurance will cover your house if it is destroyed or damaged by a fire, some type of storm such as a hail storm, and will protect it if a burglary of your house occurs. You can also obtain homeowners insurance that will cover flooding, although that is usually an extra policy that’s tacked on to your home insurance policy. If you live in a flood-prone area, you will definitely want to have that in place. Home insurance will also protect your house if it is damaged or destroyed by a tornado or a hurricane or some other devastating weather event. With climate change happening all around us, it is a good idea to have home insurance in place to protect your property in case any of these incidents occur.

Home insurance will also cover your belongings, including furniture, appliances, and personal belongings. This is important in the case of a fire or theft incident occurring at your home.

To decide upon which coverage options you want and need to protect your very valuable home and property, call the agents at Pizano Insurance in Wayzata, MN to get your home insurance policy started today.

Emergencies come in a lot of forms. It can be a fire, strong summer storms, heavy winter snows, or the flooding rains of spring and fall. No matter what the emergency, it is important that your home is prepared to survive and provide the protection you and your family need. In Wayzata, MN, Pizano Insurance is here to provide the choices you need when it comes to home insurance. We will work to make sure you get the perfect coverage for your needs. 

When an emergency hits, it is important to have an emergency plan in place. Every member of the family should be aware of the plan and if it includes evacuating your home, you should have rehearsals so that even the youngest members know where they should be and the route they should take. 

Your home should be equipped with smoke detectors and carbon monoxide detectors. If your escape route is from a second-story window, you need to have an approved ladder for a safe escape from your home. 

Your home should have a supply of food and water that can keep you for a few days in the event of a weather emergency. When a weather emergency hits, it is not uncommon for the power to be out. In order to keep things running in your home, having a generator is a good way to prepare for an emergency. Be sure to have fuel to keep it running for at least a few days. 

Make sure any important papers you have are stored in a container that is both fire and flood proof, including your home inventory and home insurance policy. This will make any insurance claim much easier. 

Pizano Insurance in Wayzata, MN is your one-stop insurance agency for all your home insurance needs. Stop into the office or give us a call for a no-obligation quote.