Tag: home maintenance (Page 5 of 5)

TOP 10 HOME FIRE PREVENTION TIPS

TOP 10 HOME FIRE PREVENTION TIPS

Fire_extinguisher
  1. Test smoke alarms. You’ll find this on almost every one of our handy household maintenance check lists. Batteries in smoke detectors should be replaced once a year and each unit should be tested often.
  2. Check your fire extinguisher expiration date. Not everyone realizes that these actually do expire. You don’t want to find this out when you actually need it. Add a helpful reminder and program the expiration date into your smartphone or online calendar.
  3. Clean your dryer vents! You should clean the entire dryer and ventilation system at least once a year. The flammability of lint is highly underestimated. Need some guidance? YouTube has a few great video tutorials for “dryer cleaning”, or contact the manufacturer of your machine. Make sure to not only clean the screen, but clear debris from the back of the dryer, and check that the exterior vent is also clear.
  4. INSPECT. This is another repetitive goodie. As with any prevention, regular inspection is key to detecting a problem before it becomes a disaster. Check all exposed wires, interior and exterior, for any loose areas or damage. Check for soot marks or damage to your electrical panel. Act immediately if you find a strong odor around your gas connections. Check any pilot lights and don’t forget about places like your attic where animals could chew wires. Make sure circuits aren’t overloaded and that all areas around major appliances are clear of dust and debris. The coils under that heater aren’t going to clean themselves.
  5. Clean your range hood, stove, and oven. Buildup of grease and cause a nasty kitchen fire. If you do experience a grease fire, remember not to use water! You must either extinguish it or smolder it.
  6. Maintain your heating sources. No matter the heat source, be it a furnace, fireplace, or space heater; be sure to have it properly maintained. Furnaces and duct work should be cleaned and the filter changed. Space heaters should be properly used within safe distances of flammable items, and their chords should be in perfect condition. Fireplaces should be cleaned and chimneys swept.Check for cracks and other hazards around the hearth. Be careful what you burn in there! Some woods pop excessively, like cedar.
  7. When cooking, stick around. Unattended cooking is of the most common causes of house fires. If you are going to leave the room, turn off your burners. The same goes for outdoor grilling.
  8. No smoking in bed! Or laying down anywhere for that matter. If you must still smoke, stay standing and prevent yourself from falling asleep.
  9. Install additional protection such as a sprinkler system and a lightning protection system. Sprinkler systems are great extra protection while you are there and peace of mind when you are not. These systems combined with smoke alarms will increase the value of your home and give you a greater chance of surviving a fire. A lightning strike on a property can ruin the entire electrical system and blow every connected electronic device in it. Lightning protection systems provides a safe route for the electrical current to follow, rerouting it from the sensitive routes within your home. You could take it a step further and add additional surge protection to prevent scenarios such as a small surge in the power lines from starting a fire in your electrical panel. If you are experiencing a storm capable of producing lightning, it is best to unplug all outlets, especially large electronics such as computers, televisions, and dyers.
  10. Consult a professional if you find that something is flickering frequently or if certain fuses blow often. This could be signs that there is a deeper hidden problem you’ll want to fix right away.

Please consider all of these tips strongly for the safety of your property. For the day you’ll spend checking them off, you’ll save yourself thousands of dollars and years of worry. Experiencing so many things that we can’t prevent such as major storm systems, tornadoes, and floods, gives us all the more reason to prevent the things we can.

Homeowner’s Insurance: Get personal with your policy

You buy a house and take out a standard insurance policy on it. You pay your premiums and renew every year. All seems sound and simple until a storm comes and your house is flooded. All of a sudden you are told that you don’t have flood insurance and that nothing it covered. Don’t let yourself wind up in this situation. Don’t just renew your policy every year but reintroduce yourself and get to know it.

Insurance_Policy

The first item I need to urge you on is to make sure your policy is renewed on time! Write it on your calendar, program it into your phone, and make a big mental note. Usually policies are written yearly. In our industry we witness losses denied too often because of a lapse in coverage. The loss just so happened to occur in the month that sat between expiration and renewal. If that’s the case, you are unfortunately on your own to cover the expenses. I’m not saying don’t trust your agent to properly renew it for you, but I am holding you accountable for making sure it is done. You should obtain an updated copy of your policy once it is renewed.

Educate yourself on the amount of coverage you have. Is your dwelling (structural) coverage sufficient to support a major disaster? Consult a local building contractor if you would like a second opinion on just how much you should allot for, keeping in mind any changes you may make to the property. Do you have a separate flood policy? Flood coverage is not included in basic homeowner’s policies. What other events are excluded from your basic coverage? What is your standard deductible? What is your wind deductible? Are you subject to a specific hurricane deductible? Some deductibles can be very different than you standard deductible. Verify what exact perils the policy does and does not cover.

That covers mostly the house’s well being, but what about your personal property? Coverage for your contents is based on a percentage of your dwelling coverage. You may want to take out additional contents insurance for your antiques, guns, computers, silver, etc. This is where an inventory list comes in handy. If you take the time to inventory your belongings, say during your seasonal cleaning, you can bring that with you when reviewing the policy with your agent. An inventory would also come in handy if you were to suffer a major loss such as a fire. You’ll need an itemized contents list to submit to your insurance in order receive your contents limit.

What responsibilities do you need to uphold under this coverage? Keep inflation in mind. As property values rise, usually building costs do too. You must insure your home up to a certain percentage of the cost to replace it which will be set by your insurance company. Say this requirement is 80% (and just for this example you have no deductible – not typical I know): If it would cost $300,000 to replace your home and you have $180,000 (75% of the required amount) as your dwelling limit, your insurance company may only cover 75% of your loss. If you have $75,000 worth of damage, you could be responsible for paying $18,750 out-of-pocket!

Responsibilities also include proper maintenance. If you have a second home here on Cape Cod and you don’t refill the oil to keep the heat up during the freezing months, a pipe might freeze, break and flood your house. Since you neglected to keep the oil tank full and properly care for the property your insurance company may not cover the repairs. Seasonal maintenance checklists aren’t always just great suggestions or ploys for you to spend more at your local hardware store. You really should clean those gutters! Your coverage just might depend on it.

Talk with your agent about what happens if you do experience a loss. Ask them how much additional living expenses you are covered for if you lose the use of your home. Make sure it’s enough for you and your family. Don’t hesitate to set up an appointment with your insurance agent to review your policy at any time. They are your agent! It is part of their job to translate your policy details for you and make suggestions.

That may be a lot of information to take, in so here is a recap:

  • Always make sure your insurance policy is renewed on time and that you receive a copy
  • Make sure you have the proper amount of dwelling coverage not only so that you have enough to cover the cost of repair, but also to meet your insurance requirements.
  • Get to know the different deductibles you may be subject to and in what instances you will encounter them.
  • Look into possibly needing additional policies such as Flood insurance
  • Make & update your contents inventory!
  • Know your responsibilities required by your policy to keep coverage. Spring cleaning anyone?
  • Check on the living expenses you’ll be granted if you lose the use of your home to damage.
  • But all and all: Know your policy – talk with your agent!
Newer posts »