Call: 203-637-6655  or email – Kyle Shepard

Chimney on Fire

November 9, 2021

November 9, 2021 Posted by: Category: Home Insurance 1 comment

Considering all of the natural disaster damage, and the inflation of building materials, it is clear to see why home insurance premiums are rising. Additionally, it should be clear that any submitted claims you filed against your personal home policy also remain an important driver of cost.

“Regularly scheduled maintenance for your home can help you avoid costly repairs.”

More Home Maintenance Means Less Costly Repairs

Regularly scheduled maintenance for your home can help you avoid costly repairs. Creating a punch list of things to do in the early Spring and Fall will help you avoid unfortunate damage.

Your Spring and Fall Punch List

  • Gutter cleaningKeeping clear gutters in the Spring and Fall will allow for proper function. Before any rainstorm, make sure your downspouts lead away from your home, and are fastened with metal screws to avoid becoming disconnected. Gutter guards also provide beneficial protection, but they must be maintained.
  • AC Filters – A simple, but vital way to extend the life of your AC units, is to periodically replace their filters to avoid additional stress to prevent a need for replacement.
  • Kitchens/Bathrooms – Check the caulking around your tubs, and the joints on water feeds, to be certain there are no leaks that can damage your sub floor that prompt costly repairs.
  • Attic/Roof – A semiannual inspection of your attic for water leaks and missing roof tiles can help you avoid water damage repairs.
  • Crawl Space – A visual inspection of your crawl space can help you get ahead of critter damage and mold. Undetected mold can be a breathing hazard for residents.
  • Fireplace – Best done in the spring when its use is discontinued, inspecting and cleaning an actively used fireplace can control the creosote levels to avoid a chimney fire. Additionally, a chimney cap can avoid debris and rainwater from getting into your fireplace.
  • Carbon Monoxide DetectorThis vital sensor should be located no less than 15 feet of any fuel (oil/gas) burning appliance. Battery operated units should have batteries replaced every 6 months, so put this on your Spring/Fall list. Hard-wired units should be replaced every 5 years.

Sticking to a semi-annual punch list on maintenance can help prevent major repair costs. If you have questions about your home policy, email Kyle at, or call us at (203) 637-6655.

Comments (1)
  • Bob and I are very appreciative of Chubb’s coverage of our major roof leak; external and internal damage. We remain loyal to Shepard Insurance! I think you are doing a wonderful job with the website and information updates and am sure that your father is proud of you! Hope that you and your family are well and that all your kids are playing hockey! Mike has his 5-year-old skating whenever he can!,
    Best regards,

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