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Home insurance adjusters can attest that hot water tanks can cause considerable damage if not properly maintained. Until the tank leaks or a pipe bursts, many claimants aren't even aware that an accident like this could be prevented. To avoid having to file a home insurance claim for water heater-related damage, here's what you should know about maintaining this appliance.

Why Water Heater Maintenance Is Important 

There are two primary reasons to stay on top of water heater maintenance: to prevent a costly loss and to extend the life of the appliance. If you follow all the manufacturer's recommendations, your unit could last for 15 or more years without a home insurance claim. What's more, it will retain most of its efficiency over that time.

How to Perform Water Heater Maintenance home insurance

The water inside the tank will inevitably accumulate sediment and other debris over time. These deposits can come from the water itself if you live in an area that has especially hard water; for example, both calcium and lime buildup can occur. Corrosion within the plumbing fixtures can also lead to a pipe bursting.

To keep sediment from damaging the water heater's components and pipes, you should drain about 25% of the tank every three months.

Before performing this task, turn off the gas or electricity that powers the water heater. For a gas heater, turn the gas control knob to “pilot.” Electric heaters require you to turn off the circuit breaker at the main panel. Then, turn off the cold water supply by manually closing the valve, and turn on the hot water of a nearby faucet. Allow the water heater to cool off for a bit, as the water can run very hot if you drain it immediately.

Once you take these preparation steps, screw a hose to the drain valve and let it drain into a bucket, floor drain, or to the outside until the water runs clear. Perform this step very carefully, as the water could be very hot and rush out quickly. If necessary, flush any remaining sediment from the tank by carefully reopening the cold water supply valve. Opening and closing it several times tends to mitigate any spillage and more thoroughly flushes the tank. 

When the water heater is sufficiently flushed, disconnect the hose and close the drain valve. Then, open the cold water supply valve, turn on all hot water faucets to remove any air bubbles in the pipes, and turn on the water heater again.

 

By following these suggestions, you may be able to avoid damages that could result in a large home insurance claim. For more information on protecting your property, get in touch with the team at Farmers Mutual of Tennessee. Since 1913, they have provided quality home insurance coverage at an affordable price to residents throughout the state of Tennessee. Their local independent agent will be happy to help you find the right coverage for your home, mobile home, rental dwelling, or farm at a price that suits your budget. Give Farmers Mutual of Tennessee a call today at (800) 824-9555, and visit them online for more information.

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