Don’t Test Your Luck with Property Damage
While St. Patrick’s Day may make many of us feel extra lucky, it’s important not to test your luck when it comes to potential damage to your property.
To maximize your luck, follow these four simple steps to reduce the likelihood of having to pay for costly property damage repairs this spring.
1. Inspect the gutters.
At home, it’s important to routinely scan your gutters for any debris or damage. Small twigs, leaves, and even pine needles can quickly build up and cause blockages. Improper drainage can not only ruin your gutters, but overflowing water can pool and cause cracks to your home’s foundation or result in water damage, such as a flooded basement.
2. Prevent mold.
Because mold thrives in warm and damp conditions, commercial HVAC systems offer the perfect environment for this type of growth. To prevent potentially harmful contamination, it is important for both homeowners and businesses to clean and maintain their systems frequently. The systems’ coils should be checked twice annually and air filters should be changed no less than every six months, depending on use. Mold issues can not only weaken a structure, but can potentially cause health problems for residents and employees.
3. Check all smoke detectors.
In the United States, a structural fire is reported every 65 seconds. As the first defense against fire, smoke detectors need to be tested often and well-maintained. Homeowners should test smoke detectors monthly and change the batteries every six months. Often forgotten, experts suggest adding an easy-to-remember date to your calendar for dedicated smoke detector maintenance.
4. Be proactive.
Prepare for potential property damage by creating an inventory list of items in your home or business, and by taking pictures of your property. It’s also important to have a copy of your insurance policy on-hand and fully understand what is and isn’t covered. If your property does incur damage, being prepared and working closely with your insurer will make the claims process much smoother.
In most cases, good property fortune has nothing to do with luck, and everything to do with being prepared. Follow these steps now, so that if your home or business does experience a natural disaster, you’ll be in a better position to reduce the severity of any property damage. And we can all cheers to that!
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