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Painting, decorating and home improvement tips blog

What You Should Know about Remodelling Insurance

Posted by admin
September 4th, 2019

What You Should Know about Remodelling Insurance

Remodelling a house is exciting. It can also be stressful and worrisome. Before you get started on a renovation, there a few key things that you should keep in mind. First you should come up with a plan that includes a timeline and a schedule. Detailed notes can help put the tasks into focus. Factoring in your budget is perhaps the most important thing as far as your remodelling planning goes. When you are figuring out your budget for a renovation, you need to include unknown costs and insurance fees. You may think you don’t need insurance, but you want to have to replace supplies, fix damages, or cover the cost of hospital visits should something go wrong. After you figure our insurances costs, you will be able to focus on the task at hand and move forward with your remodel.

Talk to your Insurance

Before you do anything, you should talk to your current insurance provider to see what they cover and what they will not. This is important, you need to know what you will need to find new insurance for. A lot of insurance companies are not interested in covering renovations, so you will likely need to shop around for specialized insurance. Once you have been honest with your insurer on what you will be renovating, you will be able to find what you need as far as insurance goes and start your renovations with peace of mind.

What if I Go Forward Without Insurance?

If you decide to risk a home renovation without the right insurance, you will be liable for all the damages and even hospital visits should an accident occur. In any home-building job, insurance is required so you may receive hefty fines if the authorities find out that you’re not insured. You probably shouldn’t start a home renovation without the right coverage, you are risking more than you have to.

Types of Insurance

What you really need for a home renovation is empty building or site insurance. Site insurance will cover renovations and empty building insurance will insure the property when it doesn’t have tenants. Conventional building insurance won’t be enough to cover your property if it is empty for more than 30 days according to the experts at MoneyPug, which is used as a platform to compare home insurance. The same goes for properties that are not habitable. Some insurers will extend empty building insurance, but this may only provide basic coverage for earthquakes, fires, and other disasters.

For the insurance you need when you’re starting a renovation, regular inspection is one of the things that empty building insurance depends on. It is dependent upon draining the water systems after being drained. The electricity and gas mains need to be isolated as well. Some companies require the waste to be cleared and the letterbox to be sealed. Others want extra security measures in certain areas.

When you take out site insurance, the physical elements of the project, which includes the structure, materials, and temporary work are covered by this type of policy. Accidental damage to other people and property is covered. People working on the renovation will be covered if they are injured on the job. Furthermore, loss and damage to equipment you own will also be included. Site policies also include personal possessions, accidents, and legal expenses, but the cost likely depends on the value of the property, where it is, the value the renovation will add, and the overall terms of insurance.

It doesn’t matter what you are changing to your house, you should look into the right insurance for what you are doing. Knowing ahead of time what insurance you need will help you determine the overall costs of your renovation. Once you understand what you are getting into, you will be able to go forward with peace of mind and the necessary knowledge to get the job done. Then, after all is said and done, you will have exercised caution and will be able to live in your dream house. So what are you waiting for? Get started today, you won’t regret it.

Painting equipment

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Getting your home ready for winter

Posted by admin
December 8th, 2014

Getting your home ready for winter

After such a mild autumn we could be in for a harsh winter, so being prepared in advance is vital. Doing essential jobs before the winter sets in could prevent any issues during the winter months.

If you own property and rent it out it is advisable to get your rented property checked over as well, prevention is better than cure as they say.

leaking pipe

What to check and fix before the winter

Things such as heating, boilers and radiators are the most obvious things to check and service before the winter, but less thought about things such as gutters and drains also need to be looked at.

Boiler, radiators and pipes

Getting your boiler serviced (by a qualified engineer) could not only prevent a break down when you need it most, but if it runs efficiently it could also save money on your gas bill.
Radiators should be bled to ensure no air is in the radiators and they can supply you with efficient heat, you can tell if your radiator needs bleeding as they will have a cold spot at the top, if it is cold at the bottom, this indicates a buildup of sludge and rust, this should be flushed out to get the most from your radiators this winter.
Pipes, these should be lagged including any pipes outside such as in outbuildings or garden taps. If pipes are not lagged and they freeze, they could burst and cause flooding.

You can read about how to avoid freezing pipes on our Rayfields site.

If you are going away, or you have a empty rented property, it is a good idea to leave the heating on low just to prevent pipes from freezing. Now is also a good time to know where stop cocks and valves are, just in case of an emergency.

leaves blocking gutter

Roofs, gutters and drains

Roofs take a battering in the winter with strong winds, rain, sleet and snow. It is a good idea to give it a visual inspection from the ground. If you have access to a ladder you could look at it closer but don’t get on the roof without the necessary safety equipment. Look for missing or broken tiles including ridge tiles, look at the state of the chimney if you have one. If anything needs repairing get it done sooner than later as roofers can get busy.

Gutters get full of falling leaves and can block the downpipes, clear guttering out and fit a downpipe leaf guard to stop debris falling down the downpipe. Also check where the downpipe goes, is it an open drain, does this flow well or is it blocked? A blocked drain could cause damp to your property.

You can read a post I did about cleaning out your gutters on our Rayfields site.

Frosted up window

Insulation, doors, windows

Does your loft have enough insulation in it? Are any pipes and hot water tank properly lagged all these should be looked at for both rented and private owned properties. Are you walls cavity insulated or can they be, you may even be able to have it installed for free. So it is worth a little time checking.

Do your windows and doors fit and close as they should? If you have draughts you could fit draughts excluders around windows and doors. If your windows don’t shut well because the handle is broken, get it fixed, reducing draughts will help keep the heat in and cold out, thus saving on heating bills.

Flood and ice road sign

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How plants can damage your house

Posted by admin
July 17th, 2011

Climbers and Ivy can damage your house

Climbers and ivy growing up a wall or your house can look very idyllic but you could be heading for costly repair bills if left to grow.

This post comes after decorating an exterior of a property recently. The walls were rendered and needed re-painting with masonry paint. One wall had in the past had ivy growing up the wall but had been removed.

The main issues was that when the ivy was pulled off the wall it took some of the old masonry paint with it, and left lots of the ‘suckers’ from the ivy. The wall looked ‘hairy’ and after my best efforts scrapping and pulling all the bits off, I couldn’t remove all of the old ivy from the wall, luckily it was in an area which could not be seen, which is, I guess why the ivy got a hold in the first place. After painting, the wall looked OK although you could see where the ivy had been.

If you have ivy or any climbers climbing up your walls be aware they could potentially damage your house, many climbers will pull the mortar out of the brickwork exposing gaps between the bricks where water can get in, also any evergreen climber that has leaves on all year round can trap water against the wall and create damp indoors.

Climbers can also, if allowed to, will get behind fascia board and under soffits and even lift roof tiles.

So it maybe a good idea, to consider how these plants can affect your house before planting climbers against your house walls.

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