SEATTLE - What do you think is the number one reason for filing a claim on your homeowners policy? No, it's not fire. It's water damage.

According to the NW Insurance Council, the average water claim is more than $4,000.

File a claim for water damage and it could effect premiums on that house for years to come.

Now would be a good time to clean out your gutters. The recent rain storms probably brought down a lot of leaves. You want to make sure there aren't any blockages that could force water into your home.

Check your ceilings, walls, floors, and window sills for signs of a leak, such as stains or discoloration, peeling paint, and musty odors. Leaks are common around chimneys, plumbing and attic vents.

Preventive maintenance can save you a lot of money and prevent enormous hassles. It's a good idea to inspect the water hoses to your washer a couple of times a year. Better yet, replace those old rubber hoses with braided steel hoses. Consider doing the same thing for your dishwasher hoses.

For More Information:

Protect Your Home From Water Damage

It's Almost Winter-Act Now to Prevent Expensive Damage Later