Homeowner's Insurance Fall Maintenance Tips from Elzey Insurance

Nov. 17, 2009 - PRLog -- Now is the time to get your home into winter shape - the days are still warm and dry enough to make it safe and maybe even a little bit of fun…(well, it would definitely be less fun if it were already cold and rainy out.)  Follow these simple steps to prevent fire hazards and potentials for water damage.

1.   Inspect and test your smoke detectors.  Make sure that there is one on each floor of your home.  Most companies give discounts for smoke detectors on homeowner's insurance policies.

2.   Clean the clothes dryer exhaust duct and space under the dryer.  Remove all lint and dust.

3.   Check the caulking around your doors and windows, and repair it if it shows signs of deterioration.

4.   Insulate your water pipes to protect them from freezing.

5.   Have your chimney inspected and cleaned by a certified chimney sweep (and be sure to shake his hand for an extra dose of good luck!)

6.   Check for damage to your roof and downspouts to keep debris from accumulating.  You want to be sure that water drains away from your foundation:  Damage due to standing water or flooding is NOT covered by a standard homeowner's insurance policy!

If you live in a flood-prone zone, or if you feel that your home has exposure to damage by collecting rainwater, you might want to consider adding Flood Insurance to your home protection plan.  NOW IS THE TIME TO ACT - flood insurance policies activate 30 days after you sign the application.  

If you need a homeowner's insurance quote, log on to our website, www.texaninsurance.com, or stop by our office at 2501 E. Sam Houston Pkwy S., Pasadena, TX 77503.  Always feel free to give us a call at 281-998-2500.  Remember, insure with us today…and Be Sure tomorrow!