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Does Your Home Insurance Include Damage to Your Roof?

Your home is probably one of your most precious investments.  It has taken you time and sacrificing to save up money and buy a home. Therefore, it’s natural to want to protect your home from anything that can damage or lower its value. Damage to the roof can lead to eventual damage to a home and eventual reduction of its value. Home insurance ensures that your home is covered from such damage. It protects you against events that can lead to problems that you may be unable to independently handle during a catastrophe or disaster.

Basically, home insurance provides coverage for a wide range of issues including calamities and accidents. However, it’s crucial to note that home insurance policies vary from one provider to another. As a result, you should not assume that taking a home insurance will solve all your roof problems whenever they occur. In fact, the lines are a bit blurred when it comes to roof damage.

Types of Roof Damage that is covered by Home Insurance

To know whether your home insurance includes damage to the roof, you need to know the specific types of damage that is covered by home insurance. Homeowners insurance may cater for roof damage but extent of the cover depends on the causes of the problem. The most common risks that are covered by home insurance include roof damage by wind, hail and fire.

In case the roof of your home is damaged by a fire outbreak, windstorm or hailstorm, your home insurance may cater for a larger part of the costs of its repair or replacement. Your roof can leak or develop other defects as a result of these catastrophes. But, if the damage is due to any of these eventualities, your insurance will cover the costs of fixing the damage if it was included in the policy.

Roof damage that result from wear and tear may not be covered by home insurance. Thus, your home insurance may not cover damage on your roof if it’s due to lack of maintenance or ageing. Insurance companies consider roofs that have lasted more than 20 years as being beyond their life expectancy. This implies that the insurer can decline to issue redemption or just cater for part of the costs of repair and replacement only.

It’s crucial to note that home insurance will cover the roof that is attached to your property only. The policy won’t cover damage to roofs that are not attached to the property. This include garage roof and shed roof. These are covered in the policy of the other structures.

When obtaining home insurance that protects your roof, remember that the coverage limit and deductable apply. The deductable is the amount of money that you will be required to pay from your pocket for the cover. Coverage limit on the other hand, is the maximum amount of money that the insurance company will pay in the event of loss.

Signs of Roof Damage

Some forms of roof damage can be easily determined even without roof inspection. However, some forms of roof damage can be hidden for a long time. That’s why it’s advisable to schedule a roof inspection the moment you notice signs of roof damage. This will enable you to file for compensation with your home insurance provider on time.

Here are some of the signs of roof damage to look out for:

  • Worn out and old shingles that are split or curled.
  • Flashing chimney and vents
  • Blocked and sagging gutters
  • Roof leaks
  • Rust on parts of the roof

If you notice any of these signs of roof damage, hire a specialist like Medicine Hat Roofing immediately to inspect your roof and help you determine whether you should file a claim with your insurance provider. Nevertheless, make sure that the damage is covered by your home insurance.

7 Home Improvements You Will Get Your Money Back On

Are you planning to eventually sell your home? Then you most likely want to know home improvements that you can invest on to enhance the feel and look of your home while boosting its resale value. Generally, there are home renovations that improve the resale value of a home while others are costly yet they do not pay off when selling a home.

Here are some of the home fix ups that will boost the value of your home:

  1. Front Door

The front door of your home is its focal point. This is one of the first things that people see whenever they visit your home. So, if your home has a bad looking front door, consider replacing or renovating it. New hardware or a fresh paint coat will refresh your home’s vibe.

  1. New Paint

A new paint coat compares to a facelift of a house. It changes the look of a home completely when applied properly. How often your home should be painted depends on the materials that were used to make its different parts. For instance, you should repaint wood every 3 to 7 years while stucco should be painted 5 to 6 years.

  1. Eco-Friendly Appliances

Replace your old appliances with low-energy, low-water options. Eco-friendly appliances make a home sound updated when it comes to real estate listings. Front-loading washer, new attic insulation, and tankless water heater are smart-money options.

  1. Kitchens

You don’t have to spend a fortune on your kitchen to make it look and feel great. Changing countertops, flooring, and cabinet doors can be sufficient to give your home a completely new look.

  1. Bathroom

Bathrooms and kitchens are generally what will sell your house. Give these spaces a complete makeover if you have money. However, if you don’t want to splurge, you can transform the look of your bathroom with great surfaces that include tile mosaic and marble. Give your bathroom a classic and clean design. But, if you want to appeal to high-end home buyers, swap out bath and sink hardware. You can even re-grout the tiles.

  1. French Doors

French doors will make your home feel spacious. For instance, if your home is situated in a warm climate area, replace the windows in the den, dining room, or family room with French doors that open to the outside patio.

  1. Upgrade Your Outdoor Space

Rather than expand the square footage of a home, take advantage of the outdoors weather. Add a nice-looking awning to the patio area to create a comfortable living space outdoors.

Follow these tips for home improvement to enhance the feel and look of your home while boosting its resale value.

New Home Decorative ideas: Give Your House a New Look

We all think about home decor at one point of time. Probably, you have just moved into a new place, or want to completely change the look of your current home. Even if you are satisfied with your home decor, you may want to make a few small changes to give your home a fresh look. You don’t need to be a professional interior designer to decorate your home the way you like, but a few home decor ideas may be helpful.

If you have always relied on the basic furniture and draperies and never really bothered to change the colour of your walls, your house most probably looks boring and impersonal. With little creativity you can decorate your home so that it looks as if it could be featured in a magazine. If you lack home decor ideas, there are a few of them you can use even if you have never considered yourself gifted with creativity.

Home Decor Ideas for the Wall Colour

The first step in changing the look of a home with home decor ideas is to change the wall colour. Perhaps you have noticed that by making the colour of a large room darker, it is given the appearance of being smaller. By making the colour of a small room lighter, it is given the appearance of being larger.

Now, whichever colour you choose to paint your room, do paint it. Wallpaper has become rather outdated, and if not done by a professional, can really look awful and start to peel. It may seem ridiculous, but if you were good at colouring inside the lines as a child, then you can certainly paint a room. If not then I suggest hiring a local painter to do the job for you. I know a painter who has excellent ideas & resources for these types of projects. Look them up @ Sandman Painting to learn the best approach.

All you really need is a good brand of paint, a roller, a pan, one large brush, and a smaller brush for painting the corners. It is a good idea to only paint a smaller room by yourself though, as larger rooms can prove harder and require ladders.

Home Decor Ideas for Colour Coordination

One of the most important things to consider in home decor is how colours match with each other. For example, a room entirely decorated in various shades of a single colour will most likely look too monotonous. Colour balance can liven up the appearance of any room. For example, if you like pastel colours, decorate the entire room in no more than four completely different kinds of pastel colours, otherwise it could be a bit overwhelming.

Sources to Get More Home Decor Ideas

There are plenty of sources to get easy home decor ideas. Home decor magazines should be your first choice. You can also visit a local home improvement centre and ask a sales associate for some ideas. And, of course, the Internet is a great provider of various home decor ideas. Check out wayfair.ca. So, even if you lack your own home decor ideas, it should not stop you from decorating your home whatever style you wish.

Home Fire Safety & Procedures- A Step Closer to a Safer Home

Nothing can put a parent’s mind at ease than by knowing that their family is safe from any harm. That is why when emergencies or accidents strikes, a parent’s heart may get shattered and broken. But there is no need to allow that to happen. The key is to always be prepared and know what prevention strategies to make. One of the scariest emergencies that a family may experience is a fire emergency. Fire is one of the leading calamities that take away the many lives of people all over the world. There are many things that causes the breakout of flame. Some are through unfortunate mishaps, while others are from negligence. So if you do not want to be victimized by this dreadful misfortune, the best way to fight it is to know home fire safety.

Knowing home fire safety is very important in making your house safe from flame. It is not just enough to keep your house supplied with fire extinguishers and fire blankets because there are many other ways to prevent fire from attacking your home. Having a fire alarm is one of the most vital fire safety equipments that you should have in your home. This will inform you of any possible flames and could help you control the fire while it is still undersized. More often than not, house fires are caused by small fires that happen in the kitchen or in the bedroom while home-owners are not aware that a fire has already broken out. Make sure that there are fire extinguishers and fire blankets in your home to try to control small fires.

Make sure that everyone in the family knows what they should do in case there is a fire. Practice fire drills to make sure that everyone will know what to do, where to go and where to meet up if ever there was a fire emergency. Let them know where the fire blankets are and what the best fire escape routes in the house are. Make sure that all wirings and electrical cords are in top shape. Faulty wiring or tattered electrical cords are mostly causes of fire because it can start a fire anytime, whether there is or there isn’t anyone at home. If you see any doubtful wiring or cords, get a professional to fix on it right away.

Get your whole family to attend a fire safety training. Other than supplying the house with fire blankets, alarms and extinguishers, this maybe the best investment that you can do to make sure that your family would be safe in case there is a fire. Professional fire-fighters will teach you and your family fire safety tips and strategies that you could do at home. It will also teach them to be more responsible around the house to prevent fire from breaking out.

Important News about Your Home Insurance

Homeowners insurance is for people who want to protect their homes and the valuable belongings kept inside from natural disasters, arson, vandalism, theft etc. As the average homeowner insurance is done by the value of the property, assessment of the value is of prime importance. Studies have shown that about 33% of residential properties are under insured by an average of 27%. An estimate of the value of the home can be arrived by the product of the area of the house and the building rate.

The Insurance agents help in an accurate estimate for optimum coverage according to the needs. Coverage which has no relevance, like flood coverage in an area without a risk of flooding, needs to be eliminated to reduce the premiums. Most of the homeowners insurance covers personal liability. A thought should be given to medical and legal expenditure to complement the home insurance coverage.

Average monthly homeowners insurance varies from state to state according to the cost of construction and the risk involved. Places with a higher chance of claims have a higher expenditure on average homeowner`s insurance policy. Average cost of homeowners insurance in New Jersey is about the national average, but the actual cost will depend on the options you choose. Apart from the geographical factors, local factors such as high crime rate also play an important role in determining the Average monthly homeowners` insurance premiums.

Since insurance coverage provides a fall back cushion from unfortunate disasters, care should be taken in choosing the right policy. Research on insurance claims will give a fair indication of most common factors for insurance claims. Regular safety and structural inspection of the home has a roll to play in shaping the insurance policy that is most advantageous. Through appraisal of options available and choice of the correct policy give the complete peace of mind that an average homeowner`s insurance is supposed to provide.