Owning your own home buys you so much freedom. You can live the lifestyle you want and decorate the home in any style that suits you. You can also make structural changes to the building, landscape the garden, and even build a shed. Of course, owning a home comes with a great deal of responsibility. If something goes wrong, there is no landlord to fix the problem, and you have to come up with the cash. Here are some of the biggest problems you might come across as a homeowner, and how you can get them fixed fast:
Leaky roof – If your roof is letting the weather in, the water can quickly damage the structural and decorative order of your home. You can also suffer from damp and dangerous mold spores. If you can see where the problem is, any roofer can usually fix it for you. If you can’t easily see which part of the roof needs repair, the costs may start rising as inspections become necessary. Most householder insurance policies will cover you. Check with your preferred builder if they can work with them directly.
Smashed window – A smashed window will often incur two charges. The first will be for the emergency call out to secure your home and offer some weather proofing. This may be as simple as boarding up the window. The second bill will come days or maybe even a couple of weeks later when the new pane is installed. In the meantime, you and your family will be living in the room with no natural light, and you may be concerned about security. You can protect your windows with bars to avoid some accidental or vandalism damage. Your insurance policy usually covers all of these costs.
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No air conditioning – In the summer, this can be a disaster, and render your property too hot to sleep in. If your air con system fails, you need to get hold of your preferred HVAC contractor as quickly as possible. Of course, an emergency call-out may be very costly. If you suffer any medical conditions, it is worth paying it. Unfortunately, not all household insurance policies cover these systems. Check your policy, or consider buying one that will help you if this situation arises.
Blocked drains – If your drains become blocked, you may be unable to use the toilet or shower. If the blocked drain has caused a flood, it may have seriously damaged your property. You may need specialist cleaners to come in and make your home safe from sewerage. Most insurance policies will not pay out if they feel the blockage could have been prevented by you. The cost of cleaning and replacing your belongings could be quite high. It is worth regularly flushing your drains out professionally.
Being a homeowner is something to be proud of but having no landlord to help in an emergency can be quite daunting. Ensure your insurance documents are up to date and comprehensive. You want to be certain that all your home systems are covered. Make sure you have no need to claim, by performing regular checks around your home, and keeping up with maintenance.
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