The sound of water running all the time or a sudden increase in the water bill can indicate a plumbing leak. Signs of mold or mildew smell in an area that doesn’t get wet, spongy floors or walls, a sagging roof or cracked foundations can be plumbing or exterior water getting in where it’s not supposed to. Usually by the time a homeowner sees a sign of a hidden leak it’s already too late as the damage is done. A leaking toilet can waste water but usually that is all. A leaking roof has to work its way down to the upper floor ceiling before it is discovered. Besides water problems, gaps in walls develop over time allowing the heat or air conditioning to escape. Insulation can settle, fall down, be disturbed by animals that get into the attic, or was simply never there at all. Those same animals can disturb or chew on electrical lines causing hotspots which can lead to a fire. Even new homes can have some of these problems. Old or damaged failing wiring, missing/fallen/wet insulation, and hidden leaks are usually problem that can be fixed for not a lot of money if caught early enough. Chubb’s HomeScanSM is a thorough scan of your client’s home using infrared technology to locate hot and cold spots normally hidden to the eye. Detecting problems earlier and pinpointing their location can minimize the repair cost by reducing the need to tear down large wall or ceiling sections to get at the problem. Best of all it is available free to Chubb Masterpiece® policyholders in many areas of the US. Saving your client the cost of a major repair will go a long way towards their retention. Not to mention potentially saving the life of your client and their family.
The Chubb Masterpiece® Homeowner program is accessible through Big “I” Markets under Affluent Homeowner New Business and is available in all states except Auto in MA and SC.
Andrew McElhannon is the Member Services Coordinator for the Independent Insurance Agents of Georgia www.iiag.org, and can be contacted at: email@example.com or b y phone at 770-458-0093, x.110, or 800-878-6487.