But next time, you
might not get so lucky. A simple "uh oh" could lead to thousands of
dollars in damage to your home.
homeowners adopt a mindset of thinking about the consequences of things, of
what could go wrong," says Dr. Tim Reinhold, senior vice president of
research and chief engineer for the Insurance Institute for Business & Home
Here are five tips to
avoid common homeowner mistakes: Tip 1: Clean out the filter on your clothes
dryer Why? Fire. Those wads of lint that get caught in your dryer's filter
can pose a major fire hazard. The U.S. Consumer Product Safety Commission
estimates that dryers cause more than 15,000 fires a year. Your strategy: Be sure to completely empty the lint trap
every time you use your dryer. Also, make sure your dryer ducts are metal,
since they're less likely to sag and allow lint to build up.
Tip 2: Trim tree branches that hang close to
your home Why? Roof or other property damage. A storm or high winds could
sweep through your neighborhood and knock those branches onto your roof,
causing serious damage. Your strategy: Consult an arborist or tree surgeon about any
trees in your yard that might present a hazard.
Tip 3: Don't put cardboard boxes from recent
big-ticket purchases out on the curb with the garbageWhy? Theft. By placing boxes in a visible location, you're sending a
signal to burglars that you have valuable items in your home. Your strategy: Cut boxes up and put them into the garbage or
Tip 4: Make your house look occupied when
you're on vacation Why? Theft. An empty home can be an easy target for thieves. Your strategy: Have your mail and newspaper deliveries
suspended or have a trusted neighbor retrieve and safeguard them until your
return. "Not only do piles of mail signal that a house is vacant, but
thieves can sift through letters to steal your identity," says Joe Vahey,
vice president at Erie Insurance. "You also may want to arrange for
someone to maintain your lawn if you'll be gone for more than a few days, and
consider installing central alarms, motion detectors, or timed lights that will
illuminate the area around your house at night."
Tip 5. Check appliance water hoses Why? Water damage. Hoses for washers and refrigerators wear out and
need to be replaced before they spring a leak. The water supply line to the
icemaker can also be a water leak waiting to happen. Your strategy: Replace washing machine hoses every five
years. If you see the plastic line along the back of the refrigerator becoming
discolored (yellow or brown), have an appliance repair expert check it out.
Despite your best
efforts to properly maintain and protect your home, accidents and mishaps still
happen, which is why it's also important to know what your homeowners insurance
does, and doesn't, cover. For example, no homeowners insurance will cover flood
damage from natural disasters, so you may want to seek federal flood insurance
if you live in an area prone to flooding. In addition, check to see if yours is
a guaranteed replacement cost policy, which would pay to rebuild your home if
it's severely damaged or destroyed. The coverage is rare, but some companies include
it in their standard homeowner’s policies.
Karen Venier is a Broker
Associate at Keller Williams. She is a part of Carr Peck Group which has been
recognized locally and nationally as in expert in real estate. Locally
they are 6th in Denver Metro home sales out of 5,000 agents and have been
recognized by the Wall Street Journal and Real Trends as one of the top selling
agents in America. For more information feel free to contact heror call 303-908-9584.
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Author:Jason Peck Phone: 720-446-6301 Dated: July 30th 2014 Views: 1,610 About Jason: ...
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