As you can imagine, insurance companies will handle what they inspect accordingly when it comes to applying for a homeowner's insurance policy. Therefore, you will want to make sure that you are ready for anything and you can do that by reviewing the following things you should do before applying.
Fix The Siding On Your Home
If there are any pieces of siding missing, you will need to put new pieces on. If there are no missing pieces, but there are tiny sections that look like they might be pulling away from the house, you need to have those repaired. It might just require that you nail them back in place. However, if they are warped, you will need to pull them off and put new pieces on. You can buy a small amount of siding to match what you currently have on the house. If you cannot find an exact match, just get the closest thing possible. The insurance companies won't care if the color or design is slightly off. They care about the protection of the home.
Replace Any Missing Shingles And Gutters
If you cannot clearly see the condition of the shingles on your roof from the road or that yard, you will need to climb a ladder to check out everything. You could also hire a contractor to do that for you if you are afraid of heights. The goal is to make sure that all of the shingles are still properly secured to the roof. If you have a metal roof, you will want to make sure that none of the metal sheets are starting to pull away. Also, all of the gutters need to be clean and securely in place. They need to have downspouts correctly connected to ensure that rainwater is led away from the foundation of your home. A contractor can help you install new gutters or downspouts if you need the assistance.
Simply making sure that everything is in place and that there are no hazards on the property is key to ensure your chances of being approved for a homeowner's insurance policy. Many times, if they find that there is an issue that needs to be addressed, they will notify you and let you know how much time you have to resolve the issue so they can still provide you with the policy price quote that you were initially offered.
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