Jan 012010
 

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When you think about keeping your homeowner’s insurance policy rates as low as possible, you think about keeping up maintenance to make sure people – those who live in the home and visitors alike – are less likely to get injured on your property. You keep all of your valuable possessions in a secure place and keep your doors and windows locked against intruders. You even opt for a cuddly kitten rather than a large dog in order to protect visitors from attacks.

However, have you thought about keeping your homeowner’s insurance policy rates as low as possible during the different seasons? The weather during winter can cause damage to your home which can present a safety risk to the people living in it and visiting so you need to prepare for the colder season.

To make repairs to your home before winter, start at the top. Clean out your gutters and stop any leaves, debris or other materials getting stuck in them by installing a gutter protector which will keep the guttering free from clogging. The land around your home including any steps, drives or paths should be next on your maintenance list. You should secure anything outside your home that is loose like handrails, steps and stones as well as filling in any cracks or holes that could be covered in snow and cause injury if someone were to step in them by accident. Think about installing a handrail if you do not have one already as it can prevent slips and falls when the area outside of your home becomes icy. Look at the outside walls of your home and around the windows. If you have any cracks, repair those as well.

Next move into your home. Keep drafts out of the home by sealing any cracks near windows and doors, bulk out your thermal insulation materials in the home and check that your central heating is working.

[spin] carrying out this simple maintenance work before winter arrives will leave you less reliant on homeowner’s insurance and more able to enjoy winter with your friends and family.


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 Posted by at 12:55 pm