Spring has officially arrived in Wheat Ridge, Colorado and soon you and your neighbors will be out enjoying the great outdoors. You are likely ready for the warmer temperatures but is your home? Here are some tips for getting your home ready for spring.

Your gutters and downspouts play an important role in getting water away from your home. Now is the time to clean them from the debris of last fall and winter and get them running smoothly.
Check the area around your outdoor air conditioning unit. Make sure your AC unit is clean and free from grass and shrubbery.
Take a walk around your home and visually inspect your roof. Look for missing or loose shingles and uneven spots in the surface.
Take a good look at your foundation. Look for signs that it may be sinking. Stair-step cracks in bricks or cinder blocks are a good indication that you may have foundation issues. Make sure your porch isn’t sinking.
Test any outdoor play equipment before letting your children play on it. Wooden play and swing sets can suffer deterioration during the cold weather.
Check your outdoor grill carefully before you use it.
If you have a fireplace, clean it out. You will thank yourself in the fall.

This is the perfect time to get a homeowners insurance review. Your CO Insurance specialist can review your policy, making sure you have sufficient coverage. We are an independent agency serving Wheat Ridge and we would be glad to assist you. Visit our website for a comparative quote on your homeowners or auto insurance. You can also contact us requesting a homeowners insurance review. Get the peace of mind you deserve by making sure your home is ready for spring. Contact your CO Insurance agent today.

If your windows seem harder to open and your doors don’t close without a little extra push, it could be the first signs that there is a problem with your foundation. Spreading cracks in your wall and floor or a front porch that is pulling away from the structure of your house, are also possible indicators of a sinking foundation. If you find yourself in such a situation, the cost to repair and remedy the damage can be high. Unfortunately, most home insurance companies only cover this type of loss in a very limited number of circumstances. Usually, homeowners insurance policies contain a specific exclusion against this type of peril.

Although some skyscrapers are designed to move a few inches to be able to better withstand earthquakes, very few homes are designed to move with the expansion, settling or shifting of the ground. Bad things can happen even if your house only shifts by a few inches. In some states, like California and Florida, companies that sell home insurance are required by law to also offer customers the opportunity to buy additional insurance that provides protection against certain types of earth movement. California law requires home insurers to offer earthquake insurance and Florida law requires home insurers to offer sinkhole coverage.

Each state has their own laws and rules that deal with sinking, rising, shifting, expanding or contracting earth movement. Insurance companies may be forced to cover some of these risks, but they are also allowed to charge an additional premium, above and beyond the standard homeowners insurance policy premium.

In rare instances, such as a water supply line bursting under your home and causing the floor beneath your feet to give way, your homeowners insurance may compensate you for the damage to your house. The best way to find out if you are covered for foundation damage is to talk with your independent agent. It is possible to buy additional coverage for a sinking porch, Your agent can compare rates from several insurers to help get you the coverage you want at a price you can afford.

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Getting Your Wheat Ridge, Colorado Home Ready for Spring

Does Home Insurance Cover a Sinking Foundation?

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