Spring Checklist To Protect Your Home
Your home is one of your most important investments. You can protect your investment by:
- Reviewing you have adequate coverage for your home and its contents
- Taking a home inventory of your contents
- Keeping your home properly maintained
Review your homeowners policy
Examine your homeowners coverage to determine if you need to revise your policy to reflect any improvements or changes that will affect your coverage needs. Contact Preferred Insurance to review you have adequate coverage reasonable for your needs.
Rain, hail, lightning and tornado damage are generally covered in a standard homeowners policy.
Since flood insurance is not included in routine homeowner insurance policies, now is the time to check on the necessity and availability of flood insurance in your area.
Does your policy cover flooding from sewer backups or sump pump issues?
Conduct A Home Inventory
Compile a detailed written inventory of your home and belongings and supplement that inventory with a videotape or photographs. Keep the inventory off-premises in a safety deposit box, or other secure location. Learn more about how to conduct a home inventory here.
Keep Your Home Maintained
Keeping your home properly maintained can help reduce the risk of a loss and help ensure the safety and well being of family and friends. Here are some maintenance tips for the spring season:
- Open your fireplace damper for improved air circulation to postpone turning on your air conditioner. However, be sure to close it when you decide to turn on the air conditioner.
- Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the batteries at least every six months, when you change your clocks.
- Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer. · Replace lamps that use high-producing bulbs (such as halogen) with those that use fluorescent bulbs and operate at much cooler temperatures.
- Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
- Keep a multipurpose fire extinguisher accessible that is filled and ready for operation.
- Have your air conditioning system inspected by a professional as recommended by the manufacturer.
- Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
- Check doors and windows for leaks and drafts. Seal these to prevent mold.
- Check your water heater for leaks and corrosion, and keep surrounding area clear.
- Caulk cracks in bathroom tile.
- Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
- Inspect washing machine hoses and replace hoses that show signs of wear or leakage with stronger reinforced hoses. Turn off the water when not in use to prevent water damage if a hose breaks.
- In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires. Do not attempt to remove tree limbs from power lines yourself. Instead, call your power company to request assistance.
- Safely store oil and gas for lawn equipment and tools in a vented, secured area.
- Repair driveway and walkways that are cracked, broken or uneven to provide a level-walking surface.