Don’t Forget the Payne

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The warmer months are a great time to get some projects accomplished around the house or yard. But are you ready to take on the risks and liabilities that can come with that makeover?

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Summer plans around the house might include anything from a kitchen remodel to roof replacement. Some things that seem like just cosmetic changes might have a big replacement value on the home. For example, many homeowners choose or need to replace roofs after summer hailstorms. Goodwin points out that insurance companies will often now reduce a premium for homeowners that update their roofs with sturdier material.

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Big projects could lead to emergencies like a ruptured water line or perceived inconveniences like an extra debris dumpster on the side of the road. Giving your neighbors a heads up is a nice way to smooth over any potential problems down the line. Make sure to check before you start that everything is in order, instead of after the fact. This is a common request, and every contractor and their insurance agent can and should be able to provide it within a few minutes.

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Likewise, homeowners should check the certificate that it has a current issue date, not just policy dates. When you have a big project and materials going on, you might think your yard or home is just destined to be a mess for months, but that can be a liability for homeowners. Kids' Club Eligible. NOOK Book. See All Customer Reviews. Shop Books.

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Hanna and her nanna were picking flowers. We must have some Rosemary,? Rosemary is for remembrance, and tomorrow is Anzac Day.?

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