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 cleaning – Keeping 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 Detector – This 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 firstname.lastname@example.org, or call us at (203) 637-6655.
Kyle’s extensive sales and account management expertise transcends both Commercial and Personal Lines. Coupling that with his finance and life insurance licenses, Kyle serves as full service insurance agent for all of his valued clients. The goal for Kyle is to provide tailored risk management to address his client’s current and future exposures, and to optimize wealth preservation.