How To Prepare Your Home Before Applying For A New Homeowners Insurance Policy

If you currently do not have homeowners insurance, or if you are interested in switching insurance companies, there are some things that you are going to want to do in order to be properly prepared. The last thing you want to do is to forget a few things and then find out that those things either caused you to be denied insurance coverage, or that they caused your insurance premiums to dramatically increase. To help you make sure that you are going to be properly prepared, you will want to review the following suggestions.

Make Sure All Siding Pieces Are In Place

You do not want any pieces of your siding to be out of place. Even if it is just one little piece that blew off in a bad storm you had a few weeks back, that small piece can be what causes you to be denied insurance -- at least until it is fixed. That is why you will want to simply go ahead and fix it now. Add the piece of siding back on, or add a replacement piece of siding. The point is to make sure that moisture is not going to be able to get in behind the siding, as that moisture can cause a lot of damage to the home thanks to damage from water and mold that can form.

Check The Roofing Shingles

You are going to need to make sure that all of the roofing shingles are in place. If there are any that are missing, you will want to make sure that you are sending someone up there to attach some more shingles. This way, you will be able to show the insurance company that your roof is in good shape and the home is protected from potential water damage.

Fix Porch Railings And Steps

It is vital that the steps and railings on your porches are in perfect condition and up to code. This way, whether it is a neighbor, the mailman, or someone else walking up or down your steps, they are covered by your insurance policy should they fall. Of course, the insurance company is not going to want to provide you with such coverage unless everything is in good shape.

After taking action to make sure that your home is ready for an insurance field agent to come over to inspect it, you will want to go ahead and give the homeowners insurance agent a call. They will then prepare a policy for you and let you know how much it will cost you for the year, pending a good report back from the field agent that drives by your house.