What a strange title for a piece on homeowner's insurance,
don't you agree?
I was talking with my friend - a Farmers Insurance Agent - Byron Brown about what tips he would offer to homeowners in regard to their insurance.
This scenario below caught my attention.
Ivy (or any climbing plant) can be grounds to have your coverage terminated if you refuse to correct the problem.
I have never heard of that - have you?
But it makes sense, right!
Growing ivy and similar plants on a building requires constant attention to its upkeep. If you leave it unchecked, it can show up in unexpected places (almost overnight).
Ivy and similar plants covering buildings are a problem not only because plant growth can block gutters, downspouts and drains, but because the plant growth retains moisture around wood trim, windows and doors.
The plants can also speed the deterioration of wooden structural pieces such as ledgers, support posts, decks, stairs and railings, and plant material adds to the difficulty of routine inspection of such areas for water or structural damage.
Plant growth can cause "roofing" problems, by encouraging water entry under the cap material protecting the top of the walls.
The take away here - keep your ivy (and other plants) in check.
The take away here - keep your ivy (and other plants) in check.
the problem is likely to be spotted during an insurance company's exterior "field underwriting inspection" or be picked up a on a standard insurance application. By having some ability to spot such problems early-on inspectors and other real estate professionals can help prevent surprises. Not all of these possible issues will be relevant to every property, and not every insurance company will view a given potential issue the same way
Have a questions about homeowner's insurance, need a quote etc. One place to start is to call Byron Brown,LUTCF ,a Farmer's Insurance Agent - 434.977.7070
No comments:
Post a Comment