Just about every homeowner has, at one time or another, had a nightmare about a natural disaster or catastrophe that razed their home to the ground. And though most prudent homeowners opt for strong insurance policies, insurance can only take you so far. There are a seemingly endless number of threats to your home, and each one of them could mean you’re faced with costly repairs. Keep the following in mind to help protect your home from the elements and increase it’s lifespan.
Keep Your Home Well-Maintained and Read the Fine Print
Insurance is a multi billion dollar industry, and it only makes sense that any insurance company would want to fairly protect their profits. As such, some homeowners have been shocked in the past to discover that even though they were insured from fires, their claim was questioned (or even dismissed) after smoke and fire damage. For example, many types of negligence have the potential to void your claim. By keeping your home well maintained, and by a clean home free of fire hazards, you’ll be better protected in the event of fire. Make sure your roof is clear, and that your home is well-maintained and generally clean.
It is quite rare for a home to be struck directly by lightning. However, there have been occurrences of trees and other objects being struck by lightning, thus putting a home at risk of fire damage. Be sure you understand whether or not you have protection from lightning damage and fire before signing on the dotted line for your insurance policy. One solution is to install lightning rod, but they don’t protect form electrical fires that could be caused by power surges.
Clean Your Gutters
Gutters that are clogged with detritus and other materials pose significant threats to your home. Firstly, it prevents your roof from draining properly, which could have a negative impact on the health and lifespan of your roof. In addition, they pose a fire hazard in the summer. Stray fireworks, sparks from a blown transformer, seasonal conditions such as heat waves (which can also cause wildfires), stray embers from cigars and cigarettes, and fire from a neighboring property could easily spread to your home through dirty gutters.
Cook with Diligence
One of the most common causes of home fires is due to cooking. Never let small children use a gas or electric stove. Also, remember to never leave cooking food unattended and to always turn off your gas or electric appliance after preparing your food. Last but not least, always remember to shut off the propane valve on your grill and to refrain from placing your grill adjacent to an exterior wall. Instead, make sure it is at least 25 feet from the edge of your walls.
Fire isn’t a laughing matter. Not only does it threaten the health and safety of your loved ones, but it can also ravage your home. Even a small fire needs to be dealt with as soon as possible. Smoke and ash, if not dealt with, can cause further property damage to the interior of your home.