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Home Improvement Inspiration That Won’t Strip Your Sanity (2)

Home Improvement Inspiration That Won’t Strip Your Sanity

Whether you are inexperienced or you have years of experience, making home repairs will improve your way of life. Your home is part of who you are. The following information is designed to help you get an idea of what you can do improve your home, thus improve your life.

If you live in a hot climate, replace your original glass windows with low-E glass, which can make it easier and more affordable to cool your house in the boiling summertime. Although the installation can be a bit pricey if you pay someone to do it, you will recoup your costs in energy savings by the end of the summer.

If space is at a premium in your home, consider remodeling the attic or basement. These areas offer a cost-effective way to gain extra square footage without resorting to constructing an addition. If the area already has a floor, roof, and walls your project will move along quickly and you’ll be enjoying your new space in no time.

Start with the bathroom when you are looking for fast home improvement projects. Fixing up your bathroom can quickly add value to your property. You will have to spend less for a higher return on property value with the right bathroom fixtures. It is one of the key features people consider when buying property.

Think you need to re-tile your bathroom? Try cleaning the tile and re-grouting first. Using this method can save you time and money over a complete re-tile project. It’s also easier to achieve by yourself. A toothbrush is a wonderful tool to use when cleaning grout. A quality steam mop can make a huge difference as well.

Do you need to fix a hole in your wall made by a nail or screw. Create a divot in the wall with the rounded end of a screwdriver by pressing it into the screw hole. Next, use spackle or drywall compound to fill the divot. This will give you a nice smooth wall surface.

You can add a room to your home without adding to its square footage. Use existing space to create that additional room by building a wall, which will turn one area into two. Closing off a partial wall or filling in an archway will allow you to realize that extra room.

When renovating a kitchen, be sure to perform a good deep clean before applying any paint. The walls are probably covered with at least a thin layer of grease. This grease will make it difficult for the new paint to stick. It is also possible that your kitchen walls don’t need paint at all and are just dirty with grease!

Here is a home improvement tip! Update your decor and save money at the same time by changing your window treatments to energy-efficient varieties. Thermal drapes are made from heavy fabrics that act as insulation to minimize drafts, and blackout curtains block sunlight, keeping your home cooler in the summer months. Many window treatments perform double-duty, combining blackout effects with thermal fabrics.

In conclusion, fixing up your home will make you feel good about yourself. No one wants to be living in a home that is in desperate need of repairs. Hopefully, the above information can get your home back into a condition that will make you love to be living in it.

Can Your Home Insurance Stand Up To The Weather?

Can Your Home Insurance Stand Up To The Weather?

In 2004, the insurance industry estimated that about 45% of their settled claims were for damages caused by weather. This past January, that percentage climbed as high as 60%, with a possible £300 million worth of damages being claimed by homeowners for weather related incidents.

Is your home covered against damage from high winds? Will your insurance company pay out to repair damage caused when your plumbing freezes? How much will you have to pay out of pocket for repairs if heavy snow takes out your rain gutters or damages your roof?

If you’re not sure of the answers to those questions, it might prove enlightening to pull out your home insurance policy and have a read. According to an industry spokesman, too many homeowners find out what their buildings insurance does and doesn’t cover after they have incurred a loss and submitted a claim. That’s the case for many homeowners who suffered damage to their homes during the high winds of the past January who found, to their shock, that they’d be bearing the brunt of the repair bills from their own pockets.

In fact, the most recent figures suggest that over one third of homeowners have no home insurance at all, and many more are paying out for policies that don’t adequately cover the damages that they might face from adverse weather.

Home insurance policies vary widely on precisely what weather damage they cover, and how much you’re expected to pay out before the insurance company will pay its share. That’s why it’s important to sit down with your policy or your broker – or both – to discuss precisely how much coverage you have for weather-related damages, and if there are limits and exclusions to that cover. Some of the most common exclusions and limits include:

Damage from floods

If you live in an area with a high possibility of flooding, you may need to purchase separate cover to deal with damage from flooding. It’s vital that you not neglect this, say insurance spokesmen. The cost of repairing damage after a flood can easily run to £30,000 or more. Compare that to the average weather related claim of about £500.

Water damage from burst pipes

Watch for limits on the amount of damages you can claim if your pipes freeze and burst. A burst pipe in your loft can quickly damage walls and ceilings, and result in unhealthy growth of mold and mildew if not cleaned properly. The cost of all those repairs can easily and quickly mount above typical limits on damages.

Contents cover

If you only have buildings insurance, you may find yourself out of luck when damage to your roof results in the destruction of your expensive draperies, carpets and furnishings. Even if you carry cover for your home contents, you may want to carry extra insurance if you own expensive items like Oriental rugs or fine artwork.

Outdoor and garden items

Many policies only cover items inside your home from weather damage, while other policies will even pay to replace plants damaged by storms in severe weather. If you’re an avid gardener, or have outdoor patio and yard equipment, consider a policy that includes garden cover.

Be sure to review your policy periodically to be certain that you’ve kept it up to date, especially when you make new purchases or add an extension to your home.

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