Home Improvements – Some things to keep in mind

March 30, 2011 at 9:50 AM | Posted in Home | 2 Comments

Spring is the time of year when everyone is planning to begin home improvements. Whether you do them yourself or hire a contractor, keep these following tips in mind:

Pull all necessary permits – Avoid risking a major incurred expense. Once a town found there was no permit, or the work not done correctly, or not up to code, we’ve seen projects stopped then forced to restart. A permit also provides proof of the improvements made to your home, (i.e. when you are buying home insurance or selling your home).

Request a Certificate of Insurance from anyone you hire to do work for you. We have all heard of horrible situations resulting from renovations when a contractor did not have the proper insurance coverage in place. A Certificate of Insurance is a snapshot of the coverage the person you are hiring has … or doesn’t have.

Don’t dig yourself into a hole! Make sure you or your contractor calls Dig Safe at 1-888-344-7233 BEFORE starting any digging project to be sure there are no electrical, gas, or water lines that could be in the way.

Communication with anyone you hire to do work for you is important. Don’t assume they will know what looks best. Their idea of how something should look may be completely different from yours. Use pictures whenever possible to make sure they understand your desired outcome.

Advise your Insurance Agent of any substantial change you make to your home. Adding a room, or even just doing major updates to the roof, heating system, etc., can affect the replacement value of your home. It is very important that your home is insured at Replacement Value to avoid major out-of-pocket expense at the time of a claim.

If you have any questions on how your home improvement plans affect your insurance, call us at 888-850-9400.



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  1. Great reminder about calling your agent about improvements that were done. I just replaced my boiler, so I should let them know. Thanks for the reminder!

  2. Thanks… I knew I needed to contact the gas company. I found the other information just as important.


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