6 Items to Include In Your Home Maintenance Checklist

The time for spring cleaning is at hand. Warm weather and sunny days make way for your outdoor to do list. Most homeowners probably already have an idea of some aesthetic updates that need your attention but often they neglect some important maintenance items. Believe it or not home maintenance can affect your insurance positively and negatively. Insurance is designed to protect you from catastrophic losses like earthquake or tornadoes. It is not designed to cover losses resulting from maintenance/wear and tear. A claim resulting from wear and tear could be denied by your insurance carrier.

But, in order to provide you with protection from catastrophic losses, insurance carriers periodically inspect homes and make recommendation on items that need maintenance to prevent loss. The carrier recommendations can be pretty extensive or they can be relatively minor. Also, just because they inspect does not mean they will necessarily make recommendations. The recommendations are based off of your specific residence and risks that you might be susceptible to. Not complying to a carriers recommendations could force you into a sub-standard market that will cost you more premium for the same coverage.

We have compiled a list of 6 things we see fairly often on inspection results from homes in Paducah, Kentucky. The items on this list are things that homeowners are definitely aware need to be maintained but may get overlooked since they are not in your direct line of sight and damage from poor maintenance does not surface immediately.

 

HOME MAINTENANCE SUGGESTIONS 

1.) Inspect roof for damages and leaks

2.) Clean Gutters

3.) Repair or replace windows and window screens

4. )Redo areas with peeling or damaged paint

5.) Trim trees and shrubbery away from the house removing dead plants and shrubs as well

6.) Add handrails to any indoor/outdoor stairway with 2 or more steps

 

WHY? A good roof, clean gutters and a good coat of paint act as sealants to prevent water damage.

Clearing out dead landscaping can reduce risk of fire and prevent trees from falling on your home.

Adding a handrail to stairs can prevent falls and save you from liability claims.

 

If you are not an expert in the areas above then look at hiring a contractor to do a routine, yearly inspection. You can also follow the Bradshaw & Weil, Inc. Pinterest page for links to information from experts on signs of roof damage, ideas to prevent gutters from getting blocked and cost effective ways to add handrails.

Is Flood Damage Covered by My Homeowners Insurance?

Paducah, Kentucky has already had to install the flood gates this spring and the rainy season is not even over. While the water did eventually reside; one cannot help but be left with the worry of what might have happened if the waters had continued to rise? Many in low lying areas did not have to wonder. They experienced some flood damage even if it were minor. What is more concerning than the rising flood waters is that most homeowner’s do not realize that flood (meaning outside water coming in) is not a covered peril under a home insurance policy. In few instances an insurance carrier can offer flood as part of their policy but they are definitely in the minority. Flood is typically covered on its own independent policy.

Check with your agent if you are unsure whether or not you have flood coverage.

If you think you might be interested in flood coverage but don’t want to dedicate a lot of time to obtaining a quote then try the Bradshaw & Weil, Inc. quick quote option! Answering 7 questions will help you to determine whether or not you are in a flood zone and what your premium to obtain a policy would be.

Ger Your Quick Quote Now

 

A Basic Guide To Your Homeowner’s Insurance

Bradshaw & Weil, Inc. is your partner for home insurance in Paducah, KY. If you are in the market for a new home then you undoubtedly know the importance of insurance before your purchase is complete. Many people do not appreciate insurance because they do not understand it. They just want the best price. Our commitment to our clients is to help them understand the benefits of their policy and ensure they are properly covered while hopefully saving them money in the process.

Part 1- Your Structure

Coverage for things you own (property)

A- Dwelling
B- Additional Structures (or Other Structures)
C- Personal Property
D- Additional Expenses (or Loss of Use)

Coverage A- replacement cost of your dwelling is calculated using the construction features of your home and represents the cost to rebuild from the ground up. Coverage B, C, & D are automatically calculated percentages of Coverage A. They can usually be increased if you have more value in those areas but not decreased.

Coverage B-refers to structures on the premises that are separated from the dwelling by clear space (think detached garage, in some cases a fence, etc.).

Coverage C-refers to personal belongings such as clothing or furniture.

Coverage D– refers to expenses related to maintaining the insured’s normal standard of living when their home has become uninhabitable due to a covered loss.

If you are wondering why the number you see listed beside Coverage A is higher than what your bank or realtor is telling you, then read our next blog post, “Why Is My Coverage A So High?”

Part II

Coverage for things you do to others (liability)

E- Bodily Injury and Property Damage Liability
F- Medical Payments to Others

Coverage E– for someone to collect payment the insured would have to be found negligent and legally obligated to pay damages for bodily harm, sickness, disease, or physical injury to or destruction of tangible property.

Coverage F pays only necessary medical expenses that caused bodily injury. The insured does not have to have been negligent.

Contact us today to talk with an agent about your limits of insurance.