isure’s home insurance spring cleaning checklist
The sun is shining, the snow is melting and birds are chirping. Spring is here! With the spring thaw comes spring cleaning. Many of us have been home throughout the COVID-19 pandemic, which means now is as good a time as any to inspect your home and update your insurance, too. Here are 10 spring cleaning items to check off your list while the warmer weather sets in.
1. The roof
Wind, water, sliding ice, and falling objects are all winter hazards that could damage your roof. Check for loose or lost shingles or other visible damage. Houses with damaged roofs will typically pay more for home insurance.
2. The foundation & exterior
Walk around your home to look for hairline cracks in the foundation and peeling paint. This is also a good opportunity to inspect for any holes that could let potential critters into your home. Keep in mode that most home insurance polices exclude leakage from a crack in your house’s foundation.
3. The gutters
Heavy ice can clog and separate gutters. Inspect and clean gutters and down-pipes, and ensure water drains away from walls and foundation.
4. Faucets & water damage
Water damage is a top concern when winter snow melts. Look for visible water damage on your interior and exterior walls. If you’re opening your pool, check outside hose faucets for water pressure as well as potential water leaks into your home. If you find any leaks, take care of it as soon as possible to avoid more potential damage.
Damp conditions, such as flooding or leaks, can produce toxic mould. If you suspect mould growth in your home, or just want to do a preventive check to find potential areas, you can purchase your own mould kit or hire a professional to conduct an inspection. Home insurance companies are very concerned about mold, so to keep your house mold free to maintain the best home insurance rates.
6. Trees and shrubbery
Trees, bushes, and other shrubbery are a great look to brighten up your home. Just make sure that there aren’t any over-hanging branches that could fall onto your roof or break your windows.
7. The driveway
With no more snow to shovel, it’s time to check the condition of your driveway. Just like roads, when water freezes on your driveway, it expands and develops cracks. This can create breaks or potholes on your driveway. Consider re-paving or re-laying brick on your driveway to curb additional damage. Keep your driveway safe will avoid slips and fall claims against you, which can affect your home insurance premiums.
8. The windows
Clean windows and window tracks, look for cracks, and check to see if sliding doors are working properly.
9. Review your insurance
During COVID-19 is a great time to pull out your home insurance policy and review your coverage. Are your building limits up-to-date? Do you need additional coverage like increased insurance on special items like jewelry, fine arts, or sports equipment. If you are working at home, as many of us are right now, does your home insurance cover for your business property located at your home?
10. Look for home insurance discounts
Insurance companies offer many insurance discounts for their best clients. Review your home insurance policy with your insurance provider and make sure you are not leaving money on the table. An isure broker will be happy to review your home insurance policy with you.
Happy spring cleaning!
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