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Show Your Home Some Love With These Spring Cleaning Tips!

Show Your Home Some Love With These Spring Cleaning Tips!

It’s never too early to plan for spring cleaning!

Spring cleaning is the perfect time to check in with your insurance agent and make sure your coverage is up to date, while you’re at it see if you can save money by combining your home and auto policies.

Here are a few things inside and outside your home that should be inspected to determine if they are in good condition:

INSIDE YOUR HOME
Electrical Outlets and Cords: Check electrical outlets and cords throughout your home for any potential fire hazards such as frayed wires or loose-fitting plugs. Extension cords and power strips are not designed to be permanent fixtures and should only be used on an interim basis.

Fire Extinguishers: Check your fire extinguisher at least once yearly, including the hose, nozzle and other parts to determine if they are in good condition and that the pressure gauge is in the “green” range. Check the expiration date. If necessary, move your fire extinguisher to an accessible place so that you can get to it easily in an emergency.

Air Conditioning: Check around the unit for indications of leaks. Before turning it on for the season, have your air-conditioning system inspected and tuned up by a professional. Check the drain lines annually and clean them if they are clogged. Change the air filter.

Water Heater: Check for leaks and corrosion. Check your owner’s manual for any recommended maintenance.

Furnace or Boiler: Have your furnace or boiler cleaned or inspected annually.

Under Sinks and Around Toilets: Look for any signs of leaks or corrosion on pipes, supply lines and fixtures.

Plumbing: Check exposed pipes and valves in your basement or crawl spaces, if safely accessible, for signs of leaking or corrosion.

Appliances: Check supply lines for washing machines, ice makers and water dispensers, refrigerators, and dishwashers for signs of leaks or wear and tear.

Plumbing for Hose Spigots and Irrigation Systems: After opening valves for outdoor water supplies, be sure to inspect components for leaks. Don’t forget to check inside plumbing as well as outdoor spigots.

Dryers: Dryer lint can build up inside the vent pipe and collect around the duct. Clean both the clothes dryer exhaust duct and the space under the dryer. Use a brush to clean out the vent pipe. Look for lint buildup around the lint trap and clean it as needed.

Smoke Detectors: Daylight savings time is a good time to change the batteries in your smoke detectors. Inspect each smoke detector to determine if all are in working order, and make sure to test them monthly. Ideally, there should be at least one smoke detector on each floor of your home, including outside of each bedroom, and one within each bedroom itself.

Light bulbs: Check each light bulb in every fixture for the correct recommended wattage and replace any burned out bulbs.


OUTSIDE YOUR HOME
Roof
: Check for any damage from snow or ice, and make any necessary repairs to reduce the possibility of leaks. If you have a skylight, check outside for a buildup of leaves and debris. Also, check the indoor ceiling for signs of leaks. Remember to put safety first any time you are on a roof. If you have any doubt, leave it to the professionals.

Gutters: Clean leaves and other debris from gutters and downspouts to keep water flowing and reduce the possibility of water damage.

Trees: Visually inspect trees for damage or rot, and remove (consider hiring a licensed professional) any dead trees that might blow over in heavy winds or during a storm. Keep healthy trees and bushes trimmed and away from utility wires.

Lawn Equipment: Make sure lawn mowers, tractors and other equipment are tuned up before using. Store oil and gas for lawn equipment and tools in a vented, locked area.

Walkways and Driveways: Repair any cracks and broken or uneven surfaces to provide a safer, level walking area.

Posted by admin in Home
The worst phone call…

The worst phone call…

THE WORST PHONE CALL

Today was just another day sheltering in place…

…until I received a call from an attorney asking for the details of a policy belonging to one of my clients. I smiled when I heard her name and wondered innocently what has she gotten herself into. Regrettably, said the attorney, she had passed in an auto accident last week.

Full. Stop.

It takes a moment to really digest that kind of information. I thought of her daughter, and all the pictures she posted on social media of her creative work. I remembered how many times she called to tell me that she was going to be a little late paying a bill. She was fighting the good fight to provide for her daughter and stay on top of her bills. I just couldn’t pressure her to pay a little more for life insurance, even if it was only $20 a month. I thought I was being kind by not being pushy.

But now I have regret. I know the value of having even just a little life insurance and what a huge difference it makes for the people who love you. I know how tight her budget was, but I have to wonder if I didn’t fail her.

I know that we all have a heightened awareness of Covid-19 spreading through the community. That we worry about becoming sick ourselves or, maybe worse, the people we love becoming sick and what that might mean. It’s important to remember that life, and death, will go on despite a lockdown or quarantine.

That doesn’t mean you shouldn’t be prepared. If you have life insurance in place, review your coverage and ask questions about it. I’m here, and I can help. If you don’t have life insurance, or you have a policy, but you’re worried that it might be tied to your job, please reach out and let me help you find something that is affordable and will really make a difference to those you love.

You can reach me anytime at (800) 304-3254 or send me an email.

Please be safe out there!
Gina

Posted by admin in Roman Insurance Services