Angie's List Tips > March 2008

Posted: 10/29/2009 8:21:07 AM | 2 comments
An attractive fence can enhance your property, but Angie's List says there are a couple of things to consider before you get started.
  • Determine your needs: Before you set out in search of the perfect fence, decide what your goals are. Do you just want to keep your animals and loved ones in? Or, are you also looking for some privacy? With so many options out there, it is important to establish some objectives; otherwise, the task of selecting a fence can be daunting.
  • Check the neighborhood: Before installing the fence, check to make sure your neighborhood doesn’t have any provisions against a particular type of fence. It's also important to consider how the fence you choose will contribute to or hinder the resale value of your home.
  • Do your research: Each type of fence has its advantages and disadvantages when it comes to cost, maintenance, and functionality. Although a wood fence may be beautiful now, without proper maintenance it will look worn in a few years. Consider all of your options and get estimates from at least three companies before you make a final decision.
  • Select which fencing material is right for you:
    • Wrought Iron: These fences are durable and available in a variety of colors, but they are the most expensive fencing option available.
    • Aluminum: Aluminum is growing in popularity as an economical alternative to wrought iron. It can stand up to harsh weather and requires very little maintenance.
    • Wood: Wood fences can be expensive but are great for privacy. If your children play outside, you may want to consider this fence to keep them safe, but be careful if you have small pets, as they may be able to escape under the fence where it meets the ground. Wood requires routine maintenance but can endure harsh weather and last for many years.
    • Vinyl (PVC): Initially more expensive than wood, vinyl fences require very little maintenance and are not susceptible to termites and other pests. However, the color choices are limited and mold growth may become a problem over time.
    • Chain Link: Chain Link is an economical option, but some neighborhoods may have regulations against chain link fencing, so be sure to do your research before you make an expensive mistake. Once you choose chain link fencing, there are a myriad of options to consider – height, color, finish coating, and the size of the holes.
  • Know your limits: Remember, good fences make good neighbors. Although the fence company is responsible for laying the fence on your property, make sure you have an understanding of where the property line is and if you have concerns while the fence is going up, raise them before the installation is complete. If you’re not certain of where your property line is, have a survey done. In one of our favorite Angie’s List fencing reports, a member raves about their new fence, but says they hope the neighbors like it too because they fenced in three feet of the their yard on accident!
  • Be a good neighbor: While it's not legally required, it's a good idea to discuss any fence building plans with your neighbors before beginning to build.
  • Ask the company important questions during the estimate: During the time of the estimate, ask the company who is responsible for pulling the permits and checking utility lines. What kind of warranty do they offer?
  • There isn’t a “season” for fencing: Fencing can be done year-round. In fact, winter is a great time to schedule your fence installation because companies may not be as busy. Ask the company about their timeline. Depending on the time of year, it could take weeks before they get to you.
  • Paint before installation: If you decide to paint your fence, the paint job will last a long time if you paint all pieces of wood after they are cut to length but before they are installed. Painted fences may need to be touched up every year or two.
  • Keep up on maintenance: Your fence will lose its appeal if you don’t maintain it. Check your fence every few months for splintering, peeling, mold, breakage and insects. Be careful with the weed whacker near the fence. Over time, that causes splintering and scratches which breaks the seal and encourages damage.
 
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Posted: 3/31/2008 12:00:00 AM | 1 comments

Many consumers are concerned that converting a conventional backyard into a more environmentally friendly space will cost more money. This may be true up front, but you’ll make your money back within a few years.

Planting trees and shrubs on the east and west sides of your home can reduce air conditioning costs as much as 25 percent.

  • Grow your own compost: An organic compost pile is one of the easiest and most environmentally friendly additions that you can make to your garden. Good materials for composting can be divided into two large groups: 1) materials with lots of carbon, usually dry or brown materials such as papers, straw and wood chips; and, 2) materials with lots of nitrogen, usually green or wet grass clippings and weeds as well as horse, cow or rabbit manure. Tip: To prevent attracting mice and other unwelcome visitors, do not let your mixture “simmer” next to your home.
  • Avoid harsh pesticides: Ask your lawn care company about the best natural pesticides. Natural pesticides can be used safely to rid your garden of certain pests. Remember, if the name or contents contain “cide,” the Latin root for “to kill,” it will and should be considered hazardous for all living things. Just because it says it is a natural product doesn’t necessarily mean its safe. Instead, consider spraying a solution of soapy water on plants (1 teaspoon per gallon of water.)
  • Harness the power of flowers: Visit your local nursery and ask for help selecting hardy, native plants. Those suited to your climate zone will require less watering and maintenance. They are also more resistant to pests and diseases, reducing the need for pesticides.
  • Conserve water: Use a rain barrel to collect water from your roof to your garden. A 55 gallon barrel costs about $20.
  • Water wisely: Use a rain gauge or straight-edged container, such as a tuna can or drinking glass, to determine how long you need to sprinkle. Put the can or glass under your sprinkler and time how long it takes to fill that glass an inch. That’s how long you need to sprinkle. Use drip irrigation or sweating hoses to water garden beds, trees, and shrubs. It puts water at the root zone where it’s needed.

• Make mulch work for you: Mulch stores water and plants pull from it in dry conditions, so it’s important to have adequate mulch. If it’s low (fewer than 2 inches) calculate the area you want to cover in square feet and then in depth. Multiply the two numbers, then divide that number by 324. This is the number of cubic yards you’ll need to buy.

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Posted: 3/24/2008 5:00:00 AM | 0 comments
Car rental insurance is confusing, so come to the rental counter prepared. You want to make sure you’re covered if there's an accident, but you don’t want to pay for coverage you already have.

Twenty-two percent of Angie’s List poll respondents say they were unaware if their credit card and/or regular auto policy covers collision and/or car liability for a car rental.

The most popular rental car insurance policy is a Collision Damage Waiver (CDW), which covers the cost of damages to the rental car if you’re involved in an accident.
  • Check your auto insurance policy: You might already be covered. Your existing policy should include liability, comprehensive and collision coverage for rental vehicles. 
  • Check your credit card company: Many card companies offer this insurance if you pay for the rental using one of their cards. Be sure to read the fine print. Some cards only offer coverage if you rent from a particular agency or only provide coverage on certain cars.
  • Check your homeowners insurance: If you’re worried about theft of your belongings, check to see that you’re personal items are protected.
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Posted: 3/24/2008 2:00:00 AM | 5 comments
Flooring materials are more varied than ever before. Angie's List tips to make the best flooring choice for your home:
  • Some floors are not recommended for all areas of the home. Choose waterproof flooring for the bathroom such as vinyl or ceramic tile in the event that your sink, toilet or bathtub overflows.
  • Carpets are excellent insulators both during cold and hot spells, but avoid carpet if you have allergies. Carpet can hold dust, mites and other allergens.
  • Hardwood flooring is a big trend right now. But they do not work well in below-grade environments such as basements. For those that are concerned with high humidity, engineered hardwoods expand and contract very little, as opposed to solid hardwoods.
  • Green flooring is really popular right now, and a ton of options are available, including cork, bamboo and recycled glass.
  • Even though you hire a professional to install your new flooring, be prepared to do some work yourself ahead of time. You'll need to remove all the furniture in the area and leave room for easy access to materials and in and out of the house. Unless you've arranged for the installer to remove the original flooring, you should do that yourself before they arrive. You may also need to have the gas company disconnect appliances if you're working in the kitchen.
  • Remember that you'll have to do something with your old flooring when the new one comes in. If you’re going to take care of disposal yourself, remove the old flooring at least one day prior to installing the new floor. Starting with a blank slate will help ensure the new floor gets put into place correctly and as quickly as possible.
  • Once the floor is laid, your work is still not done. Ask how long you’ll need to stay off the floors before putting your furniture and appliances back in place. You don't want to ruin your investment on the first day! When you can safely move your furniture back in, put down floor protectors to help prevent gouges and indentations as you move the furniture back in.
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Posted: 3/19/2008 12:00:00 AM | 0 comments
Painting is one of the quickest and least expensive ways to spruce up your home. A fresh coat of paint can change the whole appearance, whether you’re going for a traditional look or trying out a new, creative decorative finish. And with an ever-increasing array of color choices and finishing techniques, your options are endless.
  • When it comes to paint selection, you get what you pay for. Better quality paints give you more square footage per gallon, longer life, easier touch ups and better results.
  • The rule of thumb for exterior painting is to wait until the evening temperatures are 50 degrees or above. Very high humidity can be tough on the product however. In warmer climates, exterior painting can be done year-round.
  • Ask if the company provides color consultation, and if so, is it an extra charge?
  • Keep in mind that rain will delay even the most efficient paint crew.
  • These days, there's a paint for every siding, including vinyl and aluminum.
  • To keep the exterior looking great, professionals recommend painting every 5-10 years, depending on area of the country, type of paint used, siding material and weather conditions.
  • In Columbus, Ohio, taupes and creams are very popular for siding with dark brown as an accent on shutters and doors. In Tampa, tan exteriors with red doors are hot. In New England, historical colors are the rage, especially taupes and greens, while in Portland, it's green with cream accents.
  • Preparation is key - the exterior should be properly washed, scraped (if there is old paint), sealed and windows covered prior to painting.
  • Ask the company whether it uses subcontractors or employees.
  • Make sure the company is licensed (if applicable in your state), insured and has workman's comp.
  • Ask for a list of recent customers in your area and drive by to see the work for yourself.
  • Ask for an exact quote, not just an estimate.
  • If your home was built prior to 1978, odds are the exterior was painted with lead based paint at one time or another. Lead test kits are available at most hardware stores. It is recommended that professionals deal with lead paint removal. This is especially important if you are scraping or sanding the old paint, as the dust it creates is especially dangerous.
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Posted: 3/10/2008 2:00:00 AM | 0 comments
Storm tips to help you dig out or get through if you're snowed in:
  • If your lock freezes up use a light or match to heat the key. You can also use a lock de-icer.
  • To keep your doors from freezing shut, your best bet is to keep your car in a garage. If you don’t have a garage, apply a coat of petroleum jelly to the door's hinges and latches, or place a plastic trash bag between the door or window glass and the frame. Do not throw hot water on the car. It will freeze.
  • Furnace goes out: Call your service provider. Use an alternative heat source such as a wood stove or fireplace in the meantime. Do not use your stove/oven as a source of heat. This increases your risk of carbon monoxide poisoning.
  • Frozen pipes: Soak towels in hot water and wrap them around cold sections of the pipe. Keep cabinet doors open to allow warm air to circulate around pipes. Turn on faucets enough to let them drip slowly. Keeping water moving within pipes will prevent freezing. Monitor your faucets for reduced water flow.
  • Pipes that burst: If a pipe has burst, shut off the main valve and call a plumber.
  • If no water is available, you can melt snow in an emergency. Bringing water to a rolling boil for one minute will kill most germs.
  • Keep refrigerator and freezer doors closed as much as possible. An unopened freezer should keep food frozen up to 48 hours. Food should remain cold in an unopened refrigerator for 24 hours. If power is out for a long period of time, snowdrifts can be used as a makeshift freezer for food.
  • Unplug all equipment that will automatically turn on when power is restored or that may become damaged due to voltage irregularities.
  • Use flashlights for emergency lighting. Do not use candles.
  • Do not run a generator inside a home or garage.
  • If you’re snowed in and can’t get out of your driveway, make some calls to snow removal companies. While this is a busy time, a provider may be able to squeeze you in. Check with your neighbors to see if there is a snow blower you can borrow. Canceled classes mean students are home from school. They might be interested in making some extra money shoveling your driveway and walkways.
  • Stranded in your car:
    • Run the motor for about 10 minutes per hour and crack your window to let air in.
    • To reduce the risk of carbon monoxide poisoning make sure that snow is not blocking your exhaust pipe.
    • Tie something bright to the antenna so rescuers will spot you
    Before you head out:
    • Tire tread: Air pressure in tires decreases in cold weather so get them checked out. Tires should not be worn down to less than 1/16 of an inch. Check tires once a week and make sure your tires are properly rotated and aligned.
    • Warm it up: Let your car warm up 1 to 2 minutes so the oil can circulate throughout the vehicle.
    • Frozen out: If your lock freezes up use a light or match to heat the key. You can also use a lock de-icer. To keep your doors from freezing shut, your best bet is to keep your car in a garage. But if you don’t have a garage you can apply a coat of petroleum jelly to the door's hinges and latches. You can also place a plastic trash bag between the door or window glass and the frame. Do not throw hot water on the car. It will freeze.
    • Emergency kit: Stock your trunk with a snow shovel, an ice scraper, jumper cables, a flashlight, a blanket, bag of sand/kitty litter, clothing, water, non-perishable food, and a can of tire inflator.
    • Check your fluids: Replace your antifreeze every two years. Check your oil. Make sure your water pumps and thermostats work. Check radiators and hoses for cracks and leaks and test heaters and defrosters for proper operation. Always keep the gas as full as possible.
    • Battery: Make sure terminals are clean and tightened. If you suspect your battery won't survive the season, have a mechanic check it out.
  • After the Storm Home Inspection/Repair:
    Long icicles hanging from your gutters are a warning sign of possible ice dams on your roof. An ice dam is a ridge of ice that forms at the edge of a roof and prevents melting snow from draining off the roof. This can cause serious roof damage.
    Angie’s tips for dealing with ice dams:
    1. Remove snow from the roof: There is a special tool for removing snow called a “roof rake”. Carefully pull it down the slope of the roof line. Never pull snow across the roof – you may damage the shingles.
    2. Chip away at the ice: For immediate action you can chip away through the ice dam so the water can flow through. Stop when you get close to the roofing.
    3. Call a professional: Removing an ice dam can be quite dangerous. A good place to start is with roofing contractors. Check the estimates and references of contractors in your area. Gutter cleaning companies may also offer this service.
    4. Properly ventilate & insulate the attic: The main cause of ice dams is an overly warm attic.
    What NOT to do:
    1. Never walk on a snow-covered roof. Make sure you work from a ladder to access/fix the damage.
    2. Do not install mechanical equipment or water heaters in attics.
    3. Do not use salt or calcium chloride to melt snow off the roof. These chemicals are very corrosive. The runoff of these chemicals can also damage grass and plants.
    Angie’s tips for keeping water out of the basement:
    • Remove snow from basement stairwells, window wells and all walls.
    • Maintain sloped exterior grades away from your house.
    • Make sure your downspouts are clear.
    • Don’t pile snow up against the house.
    • If you have a sump pump, clean and test it.

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Posted: 3/10/2008 1:00:00 AM | 15 comments
Windows can account for 10 percent to 25 percent of your energy bill. If your house is among the nearly half of all U.S. homes with single-pane windows, consider replacing them with high-performance glass that will add a fresh look and decrease your energy costs. In addition, new windows can increase the safety of your home as older models can easily be forced open. Here are some tips on selecting the best windows for your home.

Materials
  • When it comes to windows, price, aesthetic and level of maintenance will determine whether you choose vinyl, fiberglass, wood or composite.
  • If you want zero maintenance, go with vinyl. These windows come in a variety of color choices and wood grain laminates, are less expensive and once they’re installed, you’re done – no painting or staining is required.
  • If you want to customize the window trim with paint or stain, go with wood or fiberglass.
  • Different window hardware (handles and locking mechanisms) are also available – so you can choose bright brass in one room and antique brass in another.
  • As with any product, brand matters. Ask your installer which brand they recommend and why.
Pricing
  •  Vinyl starts at $400/window installed (double pane), while wood and fiberglass are nearly double that at $750/window. And keep in mind, once you have the wood or fiberglass window installed, you’ll still incur the cost of paint or stain.
  • Double pane windows are the most popular, but triple-pane is also available. They cost about $50 more per window installed, but offer more energy savings, and if sound insulation is important, this is the way to go.
Energy savings
  • Look for the Energy Star rating. It’s still the way to go, even though tax credits are no longer being offered.
  • Windows typically range from a .28 - .35 U-value (there are windows that are .5); the lower the number the higher the energy efficiency.
  • In colder climates, a U-value of 0.35 or below is recommended. In warm climates, look for windows with double glazing and spectrally selective coatings to reduce heat gain. In temperate climates, look for a low U-value and low solar heat gain co-efficiency (SHGC).
  • Air leakage ratings of 0.3 cubic feet per minute or less are recommended.
  • Double-pane windows with low-e coating (argon gas-filled panes and low emissivity) on the glass will reflect radiant heat back into the room during colder months.
  • If you’re in an older home and don’t want to lose your leaded glass windows, consider adding a traditional storm window to the exterior for added energy savings.
Installation and maintenance
  • Reputation and experience is key when it comes to window installation. If installed incorrectly, windows will leak air and water can penetrate the seal leading to mold or wood rot.
  • Window grids can be installed inside or outside the glass, but consider the ease of cleaning and maintenance in order to make the best decision for your home.
  • Window installers can handle five to 10 windows per day on average so disruption can be kept to a minimum.
  • The installation crew will need to come inside the home, so if you have valuable art on the walls or high-end furniture nearby, consider removing it yourself just in case.
  • Busiest times of year for window installers are April – May and September – October.
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Posted: 3/4/2008 3:00:00 AM | 1 comments
Doors are one of the few upgrades that will add a dramatic new look to both the interior and exterior of your home. Today’s doors are more energy efficient; carry better warranties and come in hundreds of styles. Whether it’s for looks or to increase energy savings, consider these tips when shopping for new doors.

Materials

  • The front door is a great way to increase curb appeal, but don’t forget the back and interior doors.
  • If your door is 15 years or older, chances are the weather stripping is worn out.
  • Three options when it comes to exterior doors – fiberglass, wood and steel. All three can be painted, but only fiberglass and wood can be stained.
  • New insulated fiberglass doors have very high U-values and are sealed much like a refrigerator door to dramatically reduce energy loss. More durable than wood and steel and require less maintenance.
  • Durability is especially important for doors that aren’t shielded by a porch or overhang.
  • Composite frames hold up better than wood and require less maintenance.
  • Window installers tell us French doors have become more popular than sliding doors. This is due mostly to aesthetics, but French doors also offer more accessibility – you can open up both sides which makes moving furniture easier.
Price
  • Prices vary from $200 – several thousand depending on size, style and glass options. Steel is the cheapest, while fiberglass and wood are similar in pricing.
  • Hardware also adds to the price and can range from $100 - $500.
Hardware
  • Choose a high-performance deadbolt lock that is durable and secure.
  • According to the experts we spoke to, the door frame itself has historically been the weak link in terms of security. Ask about steel reinforced frames and plates behind the jams.
  • Multi-point locks with rods that go into the header and sill and strike plate reinforcement can provide extra security.
Energy savings
  • Every home is different, but, on average, you can reduce 80 percent to 90 percent of the energy loss by installing a new, energy efficient door.
  • Virtually every door meets the minimum Energy Star requirements, but the amount of glass is the biggest determinant to how energy efficient the door is. It’s a trade off between energy efficiency and aesthetics. U-value for a door typically ranges from .15 (no glass) to .33 (full decorative glass).
Maintenance and installation
  • Most door installations can be done in one day or less.
  • Hire a reputable installer. It’s critical that the door is hung and framed properly.
  • Spring through summer and early fall is busy season for installers.
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Posted: 3/4/2008 2:00:00 AM | 0 comments
Stay on top of annual outdoor maintenace to prevent big-ticket repairs down the road.
  • Talk with your landscaper or local garden center about the best way to enrich your soil for the types of plants in your yard. Proper fertilization can keep your soil and your plants in great shape throughout the year.
  • If you’ve postponed tool care, late winter is a good time to get in the garage and inspect your garden equipment. Does the mower need serviced? Garden service companies will get busy in the next couple of months. Don’t forget to clean and sharpen other garden tools as well.
  • Examine your asphalt driveway’s surface for damage. Water that seeps into your driveway can freeze, causing cracks and other damage. Regular resealing is the best way to protect the surface and keep it in good shape. If you’re planning to hire a professional to seal the driveway, summer is peak time of year – so call ahead to get on their schedule.
  • Check your gutters. Professionals recommend gutter cleaning in the spring and the fall. Clogged gutters can lead to water damage.
  • Use a garden hose to remove the film left by dirty snow and rain from your siding and deck. Attach a soft-bristled, long-handled car brush to the hose for some extra help. Use a mild cleanser to get those tough-to-clean spots.
  • Remove wet leaves and debris from your deck, front porch and around your house on a regular basis. Allowing the debris to accumulate can trap water, lead to staining or mold build-up, as well as create an ideal environment for termites.
  • Snow, ice and wind can wreak havoc on your home, so be sure to go over the structures in early spring. Finding damage early will increase your chances of getting an early repair, as many home improvement companies begin their busy seasons this time of year.
  • Scrutinize your crawl space for water accumulation or excessive moisture, and keep an eye out for water damage on the sub-floor and joists beneath the kitchen, bathroom and laundry areas.
  • Give your roof a “once-over” for damage inflicted during the winter. Depending on the style and pitch of your roof, you may want to use a ladder and a pair of binoculars to look for missing or broken shingles and other damage. If you don’t feel comfortable on a ladder, call a professional before the busy season begins.
  • Check the weather stripping around doors and windows. The winter season may have caused some damage. Also remove any storm windows and replace with screens.
  • Check the valve where water enters your house, outdoor faucets and valves to toilets, bathroom and kitchen sinks. Turn each off and on several times to identify any leaks.
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Posted: 3/4/2008 1:00:00 AM | 0 comments
Homeowners insurance policy stipulations have changed drastically over the last decade. As you shop for a policy, keep the following tips in mind to get the best coverage at the best price.

Take photos and videos of everything in your home. Make copies and send them to relatives or friends, and keep the originals in a safe-deposit box. Keep your policy and important paperwork in a fireproof/waterproof safe.

Find an insurance agent:
  • Check Angie’s List reviews and visit the National Association of Insurance Commissioners website, naic.org, to do a company-by-company search for complaints in your state.
  • Check insurance companies financial strength with ratings companies such as A.M. Best and Moodys Investor Service. A++ and A+ are the highest ratings; A, A-, B++ and B+ are also secure. Vulnerable companies carry a B rating or below.
  • Ask the agent about his or her experience in handling claims. An experienced agent should be able to tell you what to expect if you file a claim.
  • If you receive notice of non-renewal, start shopping right away. Consider switching low-risk policies like auto insurance to your new insurer for multiple-policy discounts.
  • Check with your state’s Department of Insurance on the statute of limitations for filing a claim, which can vary from one to two years.
  • If you experience a sizable loss, consider hiring a public insurance adjuster who will submit claims on your behalf to get the best settlement possible and receive a percentage of your settlement as compensation.
  • Don't rely on an adjusters proof-of-loss statement. Use at least three independent contractors estimates as your starting point. Many insurance companies use one-size-fits-all price lists to estimate repairs. These lists often don't factor in higher material costs or higher-end installations.
  • Don't assume the insurance adjuster necessarily represents your insurance company or your interests. After disasters, many companies use adjusters from third-party firms to handle the spike in claims.
Get and maintain the right level of coverage:
  • Be prepared to spend. The lowest price might not cover you. See: 7 ways to save on homeowners insurance
  • Replacement cost insurance covers the cost of replacing your home and is generally the policy for most homeowners. Your agent will evaluate your home and its contents and write a policy that would replace it at that value. Most agents will allow 20 percent to 25 percent more insurance than your replacement cost to cover things like debris disposal and other ancillary costs.
  • Read your policy thoroughly, and take careful notes about stipulations, contingencies and situations that could disqualify a claim or compromise coverage and keep them in a safe place.
  • Ask specifically about policy stipulations for storm, water, mold, wind and flood. In the past 10 years, companies have increasingly changed the language about these specific items. Ask about adding specific endorsements if your agent or company doesn’t offer the coverage you want.
  • If you live in a low-lying or flood-prone area, purchase flood insurance from the National Flood Insurance Program, which offers coverage up to $250,000. If you need more than that, shop around for a private company that offers supplemental flood insurance.
  • If you live in California, look into a policy with the California Earthquake Authority, which facilitates earthquake coverage. Premiums and deductibles are quite high but could be minuscule compared with rebuilding on your own after a quake.
  • Learn the difference between equivalent and like/kind replacement and find out what your policy offers. It’s a very small difference in the language but it has huge implications. Like/kind replacement means a damaged wood-shingled roof will be replaced with a wood-shingled roof. Equivalent means the replacement roof might not be wood-shingled.
  • Get loss-of-use coverage for rent or hotel fees in case your home is uninhabitable after a catastrophe.
  • When you get your renewal notice, ask your agent to come back out to review your home and contents. If you've remodeled or bought expensive artwork or appliances, you’ll likely want to increase the value of your policy. And the price of gold has increased dramatically, so you may need to increase your coverage to ensure you can replace all of your jewelry.
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