May 2019

Does Your Home Siding Need an Upgrade?

You spend so many hours at home that it can be easy to start overlooking your old, worn-out siding. However, replacing or repairing it can help save money and increase the resale value of property. Here are some signs that it’s time to consider a house siding upgrade Denver.

Level Up Your Home’s Curb Appeal

If you are hoping to sell your home in the next few years, you should consider new siding. Faded or unattractive colors can make your property unappealing to potential buyers. A first impression is everything, and the outside of your home is the first thing anyone will see. Even if you aren’t interested in selling and plan to stay there for many years, consider giving those walls a makeover and choosing something that better matches your aesthetic.

Repair Damage

Your home’s siding is the first defense against nature. Over time, it’s going to take a beating, whether the culprit is hail, hurricanes, storm damage or many other possibilities. Even if there isn’t a crater in your roof and the damage seems minor, it can still do a lot of harm. Holes and cracks in the wall allow moisture, bugs or mice inside.

Fix Insulation Problems

One of the biggest reasons for a high utilities bill is poor insulation. While your doors and windows may be contributing to this issue, your siding takes up the biggest surface area and could be leaking hot or cold air when you want to keep it inside. In order to keep you comfortable, your air conditioning and heating system will have to work much harder, thereby costing you more money.

This upgrade is a fantastic investment with many benefits to you and your family. Take a careful look at your home and consider if any of the above issues apply, and make the call to fix it today.…

Is It Time to Review Your Homeowner’s Policy?

If you’re a homeowner, maintaining adequate insurance coverage is essential protection and failing to keep up with it can be a costly mistake. Unfortunately, most people aren’t as diligent in keeping up with their policies. After they sign up for coverage and the initial policy goes into effect, they simply assume they have met their insurance obligations. However, any change you make to your property requires a reevaluation of your insurance needs.

Typically, you should review and update your homeowners insurance Sacramento once per year. However, if you make any changes to your home or make any big ticket purchases, it’s wise to update your policy immediately to ensure those purchases are covered. Whether it’s an addition to your home, a new storage shed, or a big screen TV, you will want to ensure you’re fully covered. There’s no telling when damage or theft will occur, so you should be diligent in getting full coverage for all of your property.

Another way that a homeowner’s policy can fail you is by neglecting to obtain additional coverage for certain acts of nature. For instance, a standard homeowner’s policy in California may not cover you for earthquake damage. This means you will have to add a rider to cover the damages that result from an earthquake. This will ensure you’re fully protected against this specific type of occurrence. Since weather patterns are continuously changing, your area may be affected by acts of nature that weren’t common when you bought your home.

Another reason it’s wise to review your policy annually is that it can refresh your memory as to what coverage you do have. For example, if someone trips and falls on your property, you may have coverage to pay their medical care costs and money to hire an attorney, if the incident results in a lawsuit. If you don’t review your policy from time to time, you may not be aware that you have this coverage. Keeping up with your insurance policy can save you money when you need it the most, which is why it’s important to regularly communicate with your insurance agent.…