ISU Sander Jacobs

Personal Lines

Home Maintenance Tasks That Protect Against Disasters

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Home disasters can happen to the best of us - here's how to prevent them!

The chance of turning on the news without seeing a natural disaster is very slim. With current environmental threats, we all know that calamity can strike at any time. While we may have our emergency kit ready at a moment’s notice, homeowners often forget about the non-natural disasters that threaten their house and home.

Home disasters can come from anywhere: inclement weather, pest infestations, or even a poorly-handled candle.

Here are the top tips to keep your home safe from disasters!

Install a carbon monoxide detector.

Carbon monoxide is a toxic gas that it odorless and colorless, making it impossible for humans to detect. Installing sensors in your home, and on every floor, enable everyone in your family to stay safe.

Trim the trees around your home. 

If any dead or dying branches hang over your home, take action now to cut them down before they fall and cause thousands of dollars worth of damage.

Clean your gutters. 

Gutters are often an afterthought for most people, but they are an essential component in protecting your home from water damage. Clogged gutters and blocked downspouts can cause ceiling leaks, wood rot, ice dams, and basement flooding.

Install a fire alarm. 

Keeping your home and belongings, not to mention your family, alerted to the possibility of fire is possible with a fire alarm.

Purchase flood insurance. 

Most homeowners insurance policies don’t provide protection from floods. For this reason, be sure to purchase this reliable coverage that every location could face.

Update your homeowners insurance annually 

Whenever new additions are made to your home, you must include provide those values to your agent to update your homeowners' coverage policy. Many underinsurance issues arise due to lack of proper notification of newly remodeled or installation projects.

Get started on securing your homeowners insurance policy today by contacting ISU Sander, Jacobs, Cassayre Insurance Services.