The sun may not be shining but the warmer weather has me dreaming of spring. I love spring for many reasons. If you drive down Jefferson Street in Paducah, Kentucky during a sunny spring day then you will see the most beautiful streets that are arrayed with blooming trees and shrubbery. The warmer weather means sandals and sundresses are coming. The springtime sun brings Vitamin D that straight up refreshes your soul after a long, dreary winter. And finally… projects. I LOVE projects (just ask my husband). This is the time of year when I start to plan out projects that I will do over the spring and summer. My idea of projects could include anything from crafting, decorating, or repairing and replacing things around our home.
My husband already owned a home when we got married last fall. It is quaint, fits within our budget and provides a roof over our heads. For that I will be eternally grateful. However, it is an old house and was not always shown the love it deserved before he purchased it. As the wife and Chief Project Coordinator of our home (Yes, I affectionately coined that title for myself, I have taken it upon myself to create a long list of things we need to update. As a newlywed and Chief Financial Officer of our home (My husband would definitely not approve that title!). I understand that our finances come first and it would not be smart to try and take care of every project at once. So the responsible part of me lists the projects I want to complete and then prioritizes them based on:
- Length of time it will take to complete
I think sharing my list might benefit the greater population, especially newlyweds and first-time home buyers. You see, I have based my list off of insurance requirements. I have worked in insurance for 5 years. I have learned the process from quoting to selling to servicing. When you purchase a new insurance policy the company will typically send out an inspector. The inspector is looking for things that could increase your chance of having a claim. If anything is found then the company would request you repair/replace within a certain time period to keep your policy in tact. What they are typically looking for is maintenance issues as poor maintenance can lead to huge claims. My husband and I could actually save quite a bit of money by switching our insurance carrier; however, we would be subject to several requirements that we could not afford at this time.
At this point you might ask, why switch companies to save some money if you will just end up paying out more money for repairs? Stay with me! I will answer this.
And now for the ever elusive “list” …
OK so, the question above could be answered a couple of different ways. Some insurance companies do not do inspections on every new policy written. Just because they do an inspection does not mean you will have requirements. And just because I list something here that would cause my home to have issues passing an inspection does not mean that your home would as well. Every insurance company has their own standards. I am just listing a couple of things I have seen appear many times throughout the years across the insurance carriers we represent. You know your home better than I do. I would also encourage you to do some additional research. If a topic I mention has you concerned then look to experts in that specific field. Remember that insurance is designed to protect you from catastrophic loss. If an inspection of your home returns items that need to be addressed you really need to consider what the potential harm of ignoring the request could be. Lifting shingles and sagging gutters can lead to extensive water damage, flooding under the home, foundation problems and more. Even if you are not affected financial because your new insurance company paid a claim due to one of the issues I just listed, you still suffer the inconvenience of being out of your home or dealing with workers and loud machinery while repairs are being made.
The items listed above can lead to extensive damage if not cared for properly. While insurance is designed to protect you from catastrophic loss it is not a home maintenance policy. Our Pinterest account holds many pins that give you further information on spotting problems with your own roof, gutters, etc. My list is not things I necessarily want to do but I understand the implications these items have on not only the safety of my family and belonging but also my wallet (like we could save big if we could switch carriers!).
Can’t wait to get home to share the list with my husband. I have a feeling he will not hold the same excitement as I do!
Until next time!