Disclaimer: This information is not intended as an offer to sell, or the solicitation of an offer to buy, a franchise. It is for informational purposes only. We will not offer you a franchise unless we have complied with applicable pre-sale registration and disclosure documents in your state. Currently, the following states regulate the offer and sale of franchises: California, Hawaii, Illinois, Indiana, Maryland, Michigan, Minnesota, New York, North Dakota, Rhode Island, South Dakota, Virginia, Washington, and Wisconsin. Within the U.S.A., we offer franchises solely by means of our Franchise Disclosure Document (FDD). There are also countries outside the U.S.A. that have laws governing the offer and sale of franchises. If you are a resident of one of these states or countries, we will not offer you a franchise unless and until we have complied with pre-sale registration and disclosure requirements that apply in your jurisdiction.
Home replacement cost vs. market value: what’s the difference?
Whenever you purchase a new homeowner’s policy or want to evaluate coverage on your current policy, you’ll always want to know how to value your home to ensure you are covered properly. The problem faced by consumers is there are numerous ways to determine your home’s value. Depending on who you ask or where you look these numbers can be all over the place. That begs the question, “What’s the difference, and which one is right”.
Summer brings longer days, warmer weather, and the perfect opportunity to perform maintenance tasks around your home. Not only can regular maintenance prevent costly repairs in the future, but it also keeps your home comfortable during those hot summer days. Here’s a comprehensive guide to summer home maintenance that will help keep your house running at its best.
1. Air conditioning tune-up
One of the most critical tasks early in the summer is ensuring your air conditioning system runs efficiently. An AC tune-up should include:
Replacing the air filter
Checking the coolant levels
Cleaning the coils and fins on your outdoor unit
Schedule a professional service if you're not comfortable performing these tasks yourself. An efficient AC system can significantly reduce your energy bills and extend the lifespan of your unit.
2. Inspect and clean gutters
Spring and summer storms can bring heavy rain, so it’s important to ensure your gutters are clear of any debris that may have accumulated over the past months. Blocked gutters can lead to water damage to your roof and the sides of your house. While you’re at it, check for any signs of wear and tear or leaks and address them quickly.
3. Check for exterior damage
Winter and spring can be tough on your home’s exterior. Take a walk around your property to inspect for any damage. Look for cracks in the foundation, peeling paint, damaged siding, or loose boards. Making repairs now can prevent more significant issues down the line.
4. Deck and patio maintenance
Your outdoor living spaces will likely see more use during the summer. Start by inspecting your deck or patio for any signs of rotting or instability. If you have a wooden deck, consider resealing it to protect the wood from moisture and sun damage. Clean your patio furniture and inspect it for any damage or rust to avoid being liable if someone gets hurt on your property (and consider umbrella insurance for additional liability coverege).
5. Landscaping and lawn care
Maintaining your yard not only boosts curb appeal but can also prevent pests from getting too close to your home. Mow your lawn regularly, trim bushes and trees, and remove any dead plants or branches. Consider planting drought-resistant plants to reduce water usage and mulch around trees and plants to help retain soil moisture.
6. Window and door maintenance
Check the seals around windows and doors to ensure they are tight. Summer is an excellent time to apply fresh caulk or weather stripping where needed. This can prevent hot air from entering your home and decrease your cooling costs. Additionally, clean your windows inside and out to maximize natural light.
7. Pest control
Summer is a peak time for pests. Inspect your home for any signs of infestation and take preventive measures. Keep your kitchen clean, store food in airtight containers, and seal any cracks or holes on the exterior of your house where pests could enter. Consider using natural repellents or hiring a professional pest control service if necessary.
8. Roof inspection
Harsh winter and spring weather can damage your roof. Inspect your roof for missing, loose, or damaged shingles and replace them as needed. Check for signs of leaks in your attic and ceilings, especially after heavy rains. A well-maintained roof protects your home from water damage and improves energy efficiency. If you’re wondering how homeowners insurance covers roof damage, speak to your agent to review your policy before filing a claim.
Summer maintenance is crucial for keeping your home running smoothly and efficiently. By tackling these tasks, you can enjoy a comfortable, safe, and energy-efficient home all summer long. Remember, preventive maintenance can save you time and money in the long run by avoiding costly repairs and replacements.
The contents of this article are meant as general information to help you understand personal lines insurance and not specific to a particular policy. Policies, coverages and discounts can vary by state and insurance carrier. To understand your coverage, you should speak directly with a licensed insurance agent or read your full policy contract. Call your agent or contact us at (833) 779-4090.
Home insurance premiums have been on the rise in recent years. If you’ve noticed your rates going up, you’re not alone. Many homeowners are seeing increases, even if they haven’t filed a claim. Rates can increase for several reasons. Some are personal, like expired discounts or prior claims.
