Fall is the time when coastal Texans bid goodbye to our storm season, and other parts of the country prepare for theirs! But although we do not usually get “winter storms”, there are still some commonsense things you can do to make sure your home is ready for the cooler months:
Take care of trees and shrubs: Falling tree limbs are one of the leading causes of damage to homes – and one of the main reasons for home insurance claims. Inspect your trees carefully for any signs of disease, and have a professional arborist prune any dead branches.
Clean gutters and downspouts: After the last of the leaves have fallen, be sure to remove them from roofs, gutters, and downspouts. Clogged gutters can cause rainwater to pool, and lead to roof or siding damage. Moreover, excess leaves constitute a fire hazard – insurance carriers will usually request that you remove the leaves if they inspect your home.
Make exterior repairs: Maybe it’s finally time to replace that roof or siding! It is also important to seal any gaps, to prevent rodents and other vermin entering the home as the weather cools. Thinking of moving your home to another insurance carrier? Be aware that insurance companies will conduct a home inspection, and can refuse to insure your home unless it’s in good condition and any necessary repairs are made.
Check safety devices: Test all your smoke alarms, and replace the batteries if necessary. Check the expiry dates on your fire extinguishers.
Clean dryer vents: Lint buildup in dryer vents not only makes your dryer less energy efficient, but can also cause a fire. If you don’t know how to remove the lint yourself, call a professional to give your vents the once-over and make sure you’re in good shape for the dry winter season.
Give Memorial Insurance Agency in Houston a call if you have any questions about your homeowners insurance!
In the insurance world, there is a surefire way to tell when a major storm is coming – and you don’t even need to look at the weather forecast! What happens is that insurance carriers issue a moratorium on binding new business policies when a storm or hurricane is 24-48 hours away from making landfall.
Why do insurance companies do this? In the same way that health insurance carriers exclude pre-existing conditions, property insurance carriers decline to insure buildings (and sometimes cars too) if the risk of loss is suddenly increased. This is understandable – otherwise, some people would only buy insurance at the last minute, when property damage from a storm or hurricane seems inevitable.
At the time of writing, many insurance carriers are not binding coverage due to the threat from Tropical Storm Imelda, which is currently deluging coastal Texas with rainfall. Thankfully, at this point, it’s not looking like becoming a major wind event, so the chance of you having to make a homeowners insurance claim is small. Flood insurance is another matter, and we recommend that every homeowner in the greater Houston area invests in this sensible – and usually inexpensive – coverage.
Water damage claims are one of the most common kinds of home insurance claims. In fact, many home insurance carriers will decline to insure homes with the old galvanized plumbing, which is still commonly found in homes built before about 1985 which have not been updated.
Why do only a small proportion of insurance carriers accept this old kind of plumbing? Well, it all comes down to risk, of course. Galvanized plumbing is prone to corrosion, and statistically it is much more likely to cause an expensive home insurance claim when compared to more modern PVC piping.
Unless you have a very high value home, the chances are that your insurance company will carry out an exterior only inspection when agreeing to insure your home. So they won’t know if your plumbing is galvanized or not – it is up to you to tell your agent when you are purchasing your policy. If you’re with a carrier who doesn’t accept galvanized plumbing, and you have a water damage claim from a burst pipe, your insurance carrier may deny your claim.
This is one reason why it is very important to contact an independent agent who will work with you to select the right kind of policy for your home. But don’t worry – the licensed agents at Memorial Insurance will ask you all the right questions to make sure you are correctly covered!