Do you know what your home insurance provides for your Sioux Falls, SD, home? Wilcoxon Insurance Inc. knows that most blogs talk about what home insurance covers, but how about what it doesn’t cover? Today’s blog covers the things that home policies do not cover.
Damage an Annual Inspection Reveals
No home policy covers creeping damage. Termites, foundation damage, and wood rot top the list of things that homeowner’s insurance doesn’t cover because they’re creeping damage. A homeowner could spot the beginnings of any of the three situations and take steps to thwart their development.
When a homeowner hires a home inspector each year to conduct a thorough inspection of the home, it reveals potential issues, such as early signs of termites, wood rot, or small cracks in the foundation that could lead to major damage. In rural areas without professional home inspectors, consider learning what these inspectors look for and examining your home twice yearly to spot these and other problems at their earliest stages.
Self-Inspections and Doing Something About What You Find
Watching a few videos online from termite inspectors will illustrate what their tracks and boring damage look like. This vermin tunnel inside and along the wood, leaving clear marks where they did the damage. Call an exterminator to treat the home at the first signs of damage. Killing the termites and their eggs controls the problem, and you might avoid serious wood damage. The longer you wait to exterminate them, the more damage they can do, which increases your expenses.
Address hairline fractures in the foundation immediately. Patch hairline cracks using cement. Anything larger than a hairline crack requires a professional foundation repair company. Anything larger than a hairline crack can turn into a leak that can cause basement flooding. Spotting these problems before they grow larger can stop them from doing large-scale damage to your home.
Contact Us Today
Don’t let creeping damage hurt your Sioux Falls, SD, home. Call or email Wilcoxon Insurance Inc. today for a home insurance review or to start a new policy.
