There’s an old saying that goes, “an ounce of prevention is worth a pound of cure.” What that means is that it is better to invest time in performing tasks that will prevent accidents, incidents, or damage from happening than it is to invest time and money into repairing or replacing them when things go wrong. Part of home insurance in Fall River is preventing claims by protecting your home with regular maintenance, services, and repairs. Summer is an excellent time for Fall River homeowners to assess the “health” of their home and take care of any small issues they see before they become big and expensive problems.
Summer is also an excellent season to meet with your insurance agency in Fall River to discuss your MA homeowners insurance policy. Update your policy at least once each year to ensure that everything is accurate. Any home remodeling projects, additions, upgrades, and high-value personal property should all be relayed to your agent. If you have any questions about home insurance in Fall River, be sure to contact your agent at Paul Sullivan Insurance Agency. We can answer any questions that you might have about homeowners insurance and help you get the comprehensive coverage you require to safeguard your home.
Inspect the Exterior of Your Home
Start your summer maintenance checklist by performing a visual inspection. Take special care to look at areas where you have had concerns or issues in the past to ensure that everything is working as it should. Different types of homes have different needs. If your house has a brick, aluminum siding, or wooden exterior, you know there are certain things that will need to be checked that won’t be required for other kinds of structures. Look for areas that appear unusually dirty, rotted, or have loose features. It could mean that more is going on underneath the materials that you can’t see.
Inspect Your Roof
You can visually take stock of your roof from the ground on your own, but for best results consider bringing in a professional once each year to check for loose shingles, possible leaks, and areas that would benefit from a quick patch. It is better to make a simple repair than to have to replace the entire roof and all of the materials underneath if they become damaged by rot and decay. Many roofing companies have annual service programs that you can purchase that will provide you with professional results and peace of mind.
Check Those Gutters!
Living in New England means regular removal of leaves, twigs, sticks, pine needles, and other debris from the gutters. While many experts suggest checking gutters twice each year, in the spring and the fall, many homeowners will tell you that more frequent cleanings are better. You can even consider hiring a professional service or install “gutter guard” products that are designed to eliminate or reduce the amount of debris that finds its way into your gutters.
Prevent Pest Issues
One of the most damaging problems for homeowners is the invasion of unwanted guests. Whether insects or rodents, Fall River homeowners need to do everything they can to prevent these animals from making their way indoors. Look for any holes in the exterior of your home or roof that are more than a quarter-of-an-inch wide. Keep trees trimmed away from your home and garage to reduce the amount of squirrel traffic. Regularly inspect trash bins to ensure that they aren’t attracting local scavengers and keep your yard clear of leaves, twigs, and debris.
Look for Leaks
Water damage can be in the thousands just from one tiny dripping pipe. Check all indoor and outdoor faucets to make sure there aren’t any leaks. The cost for water can also be considerable, so check hoses, faucets, and outdoor sprinklers to ensure that everything is in proper working order. You can patch hoses with electrical tape until they can be replaced and repair broken sprinkler heads to reduce wasted water.
Porches, Patios, and Decks
Depending on the materials used for your outdoor living space, you will want to inspect them regularly for damage or shifting. Check deck boards for rotting and hammer in any loose nails. Inspect patios and porches for cracks in the cement or stone materials and make repairs as soon as you notice them. Decks should be resealed as needed to prevent water from making its way into the wood. The more you can do to prevent significant damage, the longer your outdoor surfaces will last for many years to come.
Protect Your Home Inside and Out
The best way to protect your home is with a comprehensive MA homeowners insurance policy. Meet with your agent at Paul Sullivan Insurance Agency in Fall River to discuss your existing policy and make sure that you are covered for any eventuality. Fall River homeowners can help to reduce claims and maximize the value of their home by performing seasonal maintenance and repairs. For more information on home insurance in Fall River and the surrounding area, give us a call at 508-678-9611.