1) Improve the Roof
The threat of damage from natural disasters and weather makes the roof is one of the home's most important parts that needs maintenance. It is best to be proactive in roof maintenance by investing in roofing that is impact resistant especially if you live in a place that is known for tornadoes, hurricanes, hail, and high winds.
It is best for homeowners to converse with their insurance agents so that they will learn about the discounts for materials aside from the conventional asphalt for the roof. Metal roofing usually gives the biggest discount and shifting to standard asphalt shingles may be more costly. Experts suggest considering a heavy grade class 4 modified shake and asphalt shingles that have a 30 to 50-year limited warranty. It is the more economical alternative compared to the replacement of a roof that the storm may damage.
2) Fence and Pool Safety Improvements
A smart insurance saver can be the building of a fence around a swimming pool. Some states like North Carolina, Maryland and Virginia already require pools to have fence codes.
Aside from the benefits in insurance, this security measure will protect the neighbors and homeowners because it reduces the chance of people wandering into your yard, falling into the pool and drowning accidentally. It can be a lawsuit that is waiting to occur.
The second leading cause of accidental deaths for kids from 1 to 14 years old is death by drowning. Building a fence around the pool can increase the insurance coverage. When no one is using it, pool owners should keep them covered or drained.
Fences may help lessen premiums by acting as a barrier to burglary and vandalism. Fences are under classification as a form of security like a system for alarms.
3) Focus on Building Security
Lots of improvements that homeowners can do to enhance security may lower the insurance premiums. They include the following:
- Installation of smoke detectors and home sprinkler systems
- Use of shatterproof windows
- Motion-sensor lighting
- Updated electrical wiring makes a home less likely to experience an electrical fire.
- Leak detectors warn homeowners of failures in plumbing by using plug-in or battery operated temperature sensors that can detect furnace breakdowns which may lead to bursting pipes
- Installation of storm shutters for homes in areas that are prone to hurricanes.
Before attempting any DIY improvement projects, homeowners should consult their insurance provider to get a list of available discounts. At the Western Pacific Insurance we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you please contact our agency at (303) 904-3777 or Click Here to request a free quote.