Seasonal Home Maintenance Tips to Prevent Insurance Claims

Keep your home safe and avoid costly insurance claims with these seasonal maintenance tips.

Rain gutter full of autumn leaves with a baseball

Your home requires regular maintenance and upkeep. Taking care of your home can help you prevent damage that leads to insurance claims. Every home is unique in its seasonal care requirements, but this checklist can serve as a starting point for maintaining a beautiful, comfortable space house.

Spring

Repair Walkways, Driveways, and Stairs

Concrete is porous, so many homeowners seal concrete to prevent it from absorbing water. Water can seep into the concrete when the sealer wears off, causing cracks during freeze/thaw cycles.

Cracked concrete can be a safety hazard that can lead to accidents on your property. Re-seal your concrete every two to five years to prevent this from happening. When a crack forms, make repairs to prevent the crack from getting worse.

Maintain Your Deck

Decks need periodic maintenance. Wooden decks must be painted and sealed to prevent the wood from rotting. If you have a wooden deck, re-seal or re-paint every few years to keep the wood in good condition. If your deck is made of composite wood, clean it regularly.

Clean Your Dryer Vent

There were almost 16,000 structure fires involving washers and dryers between 2010 and 2014, and most of those fires were started by dryers. Cleaning your dryer vent every year can help prevent heat from becoming trapped, thus reducing the chances of a fire. This work can be done yourself, or you can hire a handyman.

Repair Siding and Roofing as Needed

Your home’s siding and roofing shield your house from the elements. Damage to your home’s siding and roof can lead to further damage if no repairs are made. Inspect your home’s roof and siding regularly to look for damage that needs to be fixed. Work with a contractor to get the job done.

Fall

Weatherstrip

Weatherstripping your home helps keep your house comfortable at the coldest times of the year. Install weatherstripping around windows and doors. Check for drafts on chilly days, and if needed, add more weatherstripping to maintain a comfortable home. Once weatherstripping is installed, it may last for two or three years before it needs to be replaced.

Trim Branches and Trees

Overhanging branches can become weighed down by ice during severe weather, leading branches to fall on your roof, driveway, and car. Keep branches and trees trimmed to prevent this kind of structural damage. Use pruning sheers to remove smaller branches, or hire a professional to remove larger branches.

Test and Maintain Your Furnace

Test your home’s furnace annually and have it serviced by an HVAC professional. This helps ensure your furnace will operate through the winter and may prevent problems like house fires caused by furnace defects.

Store Outside Furniture

Outdoor furniture can cause damage when the wind blows it away. Put away your outdoor furniture in a shed, garage, or somewhere safe from wind and rain.

Clean, Inspect, and Repair Your Chimney

If you use your fireplace, inspect the firebox and chimney every fall before using them in the winter. Chimneys need periodic maintenance and cleaning to prevent house fires.

Throughout The Year

Clean and Maintain Gutters

Your home’s gutters play an essential role in water management on your property. Keep your gutters clean and functional throughout the year to prevent ice dams in winter. Some homeowners need to clean their gutters once annually; others clean them twice yearly. Check your gutters in spring and fall for signs that they need to be cleaned.

Test Smoke Detectors

Smoke detectors save lives and can prompt you to get help from the fire department when a fire begins. Test your smoke detectors at least once per month and replace batteries as needed.

Update Your Home Insurance

Here’s one more task to add to your list: update your home insurance once a year to ensure you have adequate coverage when needed. When was the last time you updated your home insurance policy? Call today to get started.

Is My Bicycle Covered By Insurance?

Determining whether your bicycle is covered by your insurance depends on the type of policy you have and the coverage it offers.

Homeowner’s or renter’s insurance, auto insurance, specialized bicycle insurance, and other specific insurance options are worth exploring to safeguard your bicycle against theft, damage, and accidents. However, it’s crucial to carefully review the terms and conditions of your policy, understand the coverage limits, and fulfill any requirements to ensure you have the necessary protection for your valued mode of transportation.

Some insurance carriers have come out with specialized insurance policies just for electric bikes. Because Ebikes are typically more expensive than traditional bicycles, they warrant additional insurance protection.

The best way to avoid a loss of course is to avoid it being stolen altogether. Some safety tips for keeping your bike safe include:

  • Invest in a quality lock.
  • Secure both wheels and your frame.
  • Keep your bike in a highly visible area avoiding isolated or remote locations.
  • Don’t keep your bike out overnight.
  • Get an insurance policy
  • Register your bike with the National Bike Registry.

According to the National Bike Registry, 1.5 million bicycles are stolen each year. With college campuses being the biggest source of bicycle theft, it would be great if there was a way to protect your investment that was quick and easy. The good news is that more than 48% of bicycles that are stolen are recovered, but of those, only 5% are able to be identified and returned to their owners.

The National Bike Registry and 529 Garage have partnered to create a database to track and store bicycle VIN numbers. Not only can you register your bike, but you can search their database for recovered bicycles in an effort to get yours back.

Bicycle theft is a rampant problem in the US and unless you want to submit a homeowner claim (please talk to your licensed insurance agent prior) you likely won’t see you bicycle again or be able to recover your losses. Bicycles are likely covered under your home, renters or condo insurance policy with your insurance carrier.

Register your bicycle today and rest assured that your bicycle is better protected and more likely to be returned in the event of being stolen.

Contact an agent in our office to discuss insurance options for you bike. Typically all bicycles can be insured but with all insurance options, it is a cost benefit calculation.

Secure Your Peace of Mind: 12 Items to Store in a Home Safe

Important Items to Store in Your Home SafeIf you haven’t already, now is the time to consider purchasing a home safe. Beyond protecting your valuables and family heirlooms from theft, a home safe also provides a secure place for important documents. It’s worth becomes immeasurable when unexpected events like home fires or burglaries occur. By keeping your documents and valuables safely stored, you can mitigate potential losses and maintain peace of mind. The benefits alone should be enough to motivate you to invest in a home safe.

When choosing a location for your home safe, there are a few factors to keep in mind. Select a safe that is heavy enough to deter burglars from easily walking away with it. Whenever possible, bolt the safe to the floor or install it securely into a wall. Unless you access it daily, consider storing it in a discreet location in your home.

Convenience is important to ensure you make regular use of it. Additionally, consider the size and weight of the safe. Heavier safes that require a hand truck to move should be placed on the ground floor, while those that can be carried by a couple of people can be positioned on the second floor. If fire protection is a priority, try to place your safe on a cement slab.

Now, let’s discuss twelve items that you should store in your home safe:

  • Passports, original birth certificates, marriage/divorce papers, and social security cards
  • Cash
  • Wills or other essential legal documents
  • Valuable watches or jewelry
  • SD cards, important computer backup discs, or other vital electronics that you don’t use regularly
  • Annual tax returns
  • Small firearms
  • Spare car keys and titles for all vehicles
  • Important papers related to bank accounts, retirement, or other investments

Investing in a home safe today can prevent future headaches and safeguard your most valuable possessions.

While owning a safe is crucial, it is equally important to have the right home insurance policy. For any insurance-related questions, don’t hesitate to reach out to the knowledgeable insurance agents at our agency. With our years of experience, we will assist you in finding the best coverage to suit your specific needs.