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Transform Your Kitchen on a Budget With Cabinet Refacing
If you’re in the market for a kitchen makeover, but don’t want to deal with the mess and price tag of a full remodel, consider cabinet refacing. It’s an affordable, high-impact upgrade that gives you a stunning new look in days, not weeks. Cabinet refacing involves replacing the doors and drawer fronts, while covering the existing cabinet boxes with a veneer. You can choose from a variety of materials, including wood, thermofoil, or laminate.
1. Cost-Effective
Sacramento Cabinet Refacing is significantly more cost-effective than installing new cabinets or doing a full kitchen remodel. This is because it preserves existing structures, eliminates waste from the demolition process, and allows for customization of colors, styles, and finishes without the high-end price tag of traditional remodeling projects.
The refacing process involves inspecting and preparing existing cabinet boxes, then replacing the old doors and drawer fronts with customized options. Your design team will help you select the materials, hardware, and finishing touches to create a look that suits your taste and functional needs. The result is a beautiful and modern kitchen without the disruption and expense of a full renovation project.
Depending on the complexity of your project, the refacing work can be completed in 1-3 days. Refacing is also a more budget-friendly option than painting, as it focuses only on the cabinet doors and drawer fronts, leaving the cabinet frames and boxes untouched. However, it still offers a high level of customization.
Aside from the obvious cost-savings, cabinet refacing is an eco-friendly option. By utilizing the existing cabinet framework, you cut down on unnecessary waste and prevent MDF (medium-density fiberboard) material from ending up in landfills.
Upgrading your cabinetry can also boost your home’s resale value and increase its appeal to prospective buyers. A stylish, modern kitchen is a major selling point that many homeowners desire. This upgrade is ideal for a well-functioning kitchen that simply needs a facelift. By prioritizing quality materials, seeking expert design advice, focusing on finish excellence, incorporating eye-catching details and hardware, leveraging effective lighting, and balancing budget allies with upscale upgrades, it is possible to achieve a luxurious kitchen makeover that doesn’t break the bank.
2. Versatile
Homeowners seeking a dramatic kitchen makeover on a budget can transform their cabinets with refacing, a cabinet update that offers high durability and a fresh new look. Unlike a complete kitchen remodel, cabinet refacing maintains the existing cabinet boxes while replacing the doors and drawer fronts, giving your home a like-new appearance.
This method of kitchen upgrade offers a wide range of styles and materials to suit any taste. For example, homeowners can choose from natural woods with grained finishes or durable laminates to give their homes a modern design. They can also select from Rigid Thermofoil (RTF) options that offer longevity and ease of maintenance. In addition, homeowners can choose from a variety of door style options to create a custom aesthetic.
The refacing process can be completed in just weeks, so it’s less disruptive than a full kitchen remodel. It’s also less expensive than a complete replacement, making it an excellent option for homeowners on a tight budget. The result is a beautiful, updated kitchen that adds to the value of your home without the expensive price tag and lengthy remodeling timeline of a full renovation.
Choosing the right material for your cabinet doors is key to creating a stunning kitchen that complements your style. For example, refacing with walnut wood is an elegant, timeless choice that will enhance your home’s beauty and elevate the sophistication of your kitchen. You can also add a contemporary touch by upgrading your hardware to sleek, modern knobs or handles.
3. Aesthetically Pleasing
Cabinet refacing is an excellent way to revitalize your kitchen’s aesthetic without investing in a complete renovation. By covering existing cabinet doors and drawer fronts with a veneer, homeowners can choose from an extensive array of styles, materials, and finishes to create the perfect design for their space. Cabinet refacing can also be customized to accommodate specific kitchen functions, from optimizing storage and work space to highlighting decorative features.
The result is a sleek, modern kitchen that can elevate the overall appeal of your home and increase its resale value. In addition, a well-maintained and updated kitchen can be the deciding factor for many potential buyers when choosing a new home.
As an added benefit, refacing your cabinets is a much less labor-intensive process than installing new cabinetry. This allows you to enjoy a fresh kitchen in a fraction of the time, minimizing downtime and disruption in your home. It also prevents perfectly usable material from ending up in landfills, making it a more environmentally conscious option.
The key to a successful cabinet refacing project is accurate measurements. Eyeballing your cabinet sizes isn’t enough — even a half-inch of misjudged space can throw off door alignment and leave you with a kitchen that looks more like a tilted funhouse than a modern, chic space. To avoid these pitfalls, it’s important to work with experienced, professional remodeling experts to measure and record all cabinet elements to ensure the correct dimensions for your new door and panel overlay.
While refacing is an excellent solution for many kitchens, it does have limitations. It’s important to note that refacing doesn’t address significant structural changes or repair work and may not be the best option for homes with outdated or damaged cabinets. If you’re looking to make a more comprehensive change, replacing your cabinets with new doors and drawers may be a better choice for your remodel.
4. Long-Lasting
Cabinet refacing is more durable than painting and has the potential to last for decades. When done correctly by qualified carpenters, it can enhance the beauty and functionality of your kitchen for years to come. It also helps protect your investment by keeping your cabinets looking like-new for a fraction of the cost of a full remodel.
The cabinet refacing process involves replacing the existing cabinet doors and drawer fronts as well as applying a veneer or laminate to the visible parts of your cabinet boxes. The old cabinets are carefully removed and the surfaces are then cleaned and sanded to ensure proper adhesion of the new material. The result is a cohesive, polished look that complements other elements in your kitchen.
Refacing isn’t a DIY project, but a professional kitchen refacer will work with you to select the best materials and colors to create your vision for a completely revamped kitchen. They will offer a variety of hardware options to further customize your new look, and their experienced team can even add custom features like glass inserts.
While refacing isn’t a suitable solution for cabinets with structural damage or poor quality, it can be an excellent option for boosting home value and making your space more appealing without the high price tag of a complete renovation. In fact, it is the ideal choice for homeowners who want to refine a style or try out a trendy look that would be difficult to pull off with a paint job.
If you’re interested in upgrading your kitchen with a fresh, new look that’s more durable than paint and less costly than a full cabinet replacement, give your local Kitchen Tune-Up a call today!
5. Easy to Maintain
Cabinet refacing is a great choice for upgrading your kitchen without spending a fortune. By choosing high-quality materials, your new kitchen will last for years to come. When you team up with a professional, they will help you select from custom, semi-custom, or stock doors to create the perfect look for your kitchen. They can also offer tips on how to properly maintain your cabinets to keep them looking great for years to come.
Unlike replacing cabinets, refacing leaves your current cabinet boxes in place and covers them with laminate or wood veneers to give the space a facelift. This saves on installation costs and time. You can choose from a variety of colors and textures for your cabinets, as well as hardware to match. Cabinet refacing is also a green option since it allows you to reuse your existing cabinet boxes, cutting down on waste and landfill contributions.
In addition to changing the appearance of your cabinets, refacing can also make minor changes in layout. It’s an ideal solution if your cabinet boxes are still structurally sound and you’re happy with their design, but the doors have become outdated. However, it’s important to note that cabinet refacing won’t solve layout problems and may not be the right fit if you’re planning to relocate your appliances.
Adding a microwave over your stove, creating more room for a fridge, or enclosing your pantry like a built-in could require a full remodel with all-new cabinetry. The refacing teams at American Wood Reface can be your partner in these types of projects, providing expert carpentry skills to modify your cabinet layout and reinstall the new doors and drawer fronts. They can also install new trim pieces to give your cabinets a finished look.
Services Offered by a Plumber
Plumber Woodland Hills install and repair pipes, fixtures and appliances for water distribution and waste removal. They also work on new construction projects and must be familiar with blueprints and architectural plans.
Plumbing is a skill that requires physical strength and stamina, along with good manual dexterity. Plumbers often work in tight spaces and on ladders.
Drain cleaning is a service that plumbers offer to remove debris and blockages from residential or commercial plumbing. It is necessary because clogged drains can lead to overflowing toilets, flooding and water damage. Clogged drains also create foul odors that can spread throughout a building. Fortunately, there are a variety of ways that a plumber can clear these obstructions and return the pipes to good condition.
One option is to use a chemical drain cleaner, which is available in solid and liquid forms. These products work by causing a reaction with the organic material that is clogging the pipe. They are typically effective for minor clogs. However, they can be corrosive and may damage the pipes. Plumbers generally avoid these chemicals and instead opt for more natural, environmentally friendly drain cleaning methods.
Another way to clean a drain is by using a mechanical tool. A plumber can use a snake, an auger or a drain-cleaning machine to break up and remove clogs. These tools have blades that are attached to a durable cable that can cut through tough clogs. The plumber then pulls the clog out of the pipe and disposes of it. This method can be messy and may require several attempts before the clog is fully removed.
Keeping your drains clean can help prevent costly repairs down the road. In addition, it can protect your family or employees from pests like flies, mosquitoes and roaches that are drawn to stagnant water. Regular drain cleaning can also reduce soap scum, mineral deposits and other waste that can build up in your pipes.
In some cases, a clogged drain is caused by tree roots that have infiltrated the sewer line. Plumbers can often find these intrusions by performing a camera inspection of the pipes. This allows them to identify the root of the problem and make recommendations for how to resolve it. They can also install or repair vents to keep the roots from infiltrating the drain system again in the future.
Leak Detection
Leak detection services are offered by plumbers to identify and fix leaks in gas and water pipelines, tanks, equipment, or anywhere else. This is part of the overall maintenance process known as LDAR (Leak Detection and Repair). Having a robust leak detection program in place helps prevent major accidents, wasted resources leading to higher costs, and underperforming assets.
Depending on the nature of the leak, finding it can be a tricky task. A plumber will typically use a combination of methods to locate the leak, including physical inspection, odor and sound, and pressure changes. Detection techniques also include the use of software packages, which monitor data such as flow and pressure change to help determine the presence of a leak.
Physical leak detection includes using the naked eye or specialized equipment to visually inspect pipes and other structures for signs of a leak. In some cases, a plumber may use a high-powered flashlight to better visualize the inside of pipes. Other tools include acoustic emission detectors, fiber optic sensors, negative pressure detectors, and ultrasonic technologies. These methods are particularly effective when dealing with minuscule leaks, or those located under challenging surfaces.
Other non-invasive leak detection techniques include using a helium mass spectrometer, which uses a probe to measure the mass of helium within the pipe system. The spectrometer can then pinpoint the exact location of the escaping helium with incredible accuracy. This is especially useful in detecting leaks in difficult to reach areas, or those located under challenging surfaces, such as concrete, asphalt, and tile.
In addition to helping plumbers locate leaks, these systems can also track and record data for each device in the pipeline. These reports provide valuable information to the maintenance team, which can then be used to improve the performance of the asset.
In addition to tracking and recording data, these systems can also be used for remote leak detection. They can send an alarm to a technician’s smartphone or tablet when the sensor is activated. This allows the technician to quickly get on-site, resolve the issue, and return the system back to service. In this way, a smart device like a water leak detector can save both time and money for the customer.
Sewer Cleaning
If your home’s plumbing seems to be working well, but you’ve noticed a foul smell in your yard or basement, it may be time for sewer cleaning. A plumber can use a hydro jet or a plumbing snake to clear obstructions in your home’s drain lines. If you choose the latter, look for one with a motor that makes it easier to maneuver the cable into the pipes. A quality plumber will also provide you with a written estimate before beginning work.
The plumbing system in your home relies on the sewer line to transport wastewater and garbage to the city’s waste management system or septic tank. Over time, this line can become blocked with debris such as leaves, roots, or egg shells, leading to a messy, costly backup. Regular sewer line cleaning can prevent this and keep your home smelling fresh.
A plumber can also perform a video inspection of your drains to determine the cause of a blockage. Using a camera mounted on the end of a long tube, a plumber can see the condition of your pipes and recommend the best method for cleaning.
There are several different methods for cleaning sewer lines, but the most effective is probably hydraulic cleaning. With this technique, a plumber inserts a nozzle at the nearest access point and releases water to remove the obstruction. If the blockage is particularly stubborn, the plumber might use a ” plumbing snake” to break up or hook the debris from inside the pipe.
Chemical cleaning is another option for removing obstructions from your sewer line. This involves pouring a mixture of acids and alkaline into the affected pipe to break down and dislodge debris. After the blockage is cleared, the plumber will flush your pipes to remove any remaining chemicals and restore proper function to your plumbing system.
The top signs that your sewer lines are in need of cleaning include gurgling sounds when you flush the toilet, slow drainage in your home’s sinks and tubs, and the smell of sewage in your basement. If you notice any of these symptoms, call a plumber right away to avoid costly repairs and cleanup.
Water Heater Repair
Your water heater plays a critical role in your home, providing hot water for showers, washing machines and dishwashers. As a result, it’s important to maintain your hot water heater properly to avoid costly repairs and extend its lifespan. Fortunately, your plumber has the skills and tools to perform a wide range of water heater repair services.
When a water heater breaks down, it can be disruptive to your daily routine. In addition to not having hot water for showers and washing machines, you may also be left with cold showers and dirty dishes. Fortunately, your plumber is available to perform fast and affordable water heater repairs.
There are some water heater repair projects you can do yourself, such as flushing the tank and resetting the circuit breaker or high-temperature cutoff switch (located near the bottom of the unit). However, it’s best to hire a professional for more complicated water heater repair jobs, such as a leaking tank or broken heating element. Working on a gas or electric water heater without proper training and experience can be dangerous, as it can lead to carbon monoxide poisoning or an electrical fire.
Water heater repair costs can vary depending on the severity of the problem and whether parts need to be replaced. A plumber will typically charge an hourly rate plus the cost of any necessary parts and supplies. If you have a newer model with a warranty, your plumber will likely work under the warranty to reduce your overall repair bill.
Strange noises coming from a water heater are often caused by sediment build-up at the bottom of the tank. These noises can include rumbling, popping or banging. A plumber can drain and flush the tank to remove the sediment, which will restore the normal operation of your water heater.
As the water heater ages, it can lose efficiency and start to break down. While it’s possible to repair an older water heater, in many cases, it makes more sense to replace the unit entirely. Your plumber can help you weigh the pros and cons of repair versus replacement so you can make an informed decision.
Benefits of Custom Blinds and Shades
Custom Blinds and Shades KY are the most popular window coverings and come in a multitude of useful options, styles and fabrics. From glamourous wood shades to energy efficient cellular blinds, there’s something for every home.
Off-the-shelf blinds are made in a limited number of sizes long before anyone buys them, and they’re often replaced sooner than custom blinds.
Custom blinds and shades provide a variety of options for style and design. Unlike the cookie-cutter, one-size-fits-all alternatives found in many stores, custom window coverings are designed and manufactured to your exact window dimensions. This ensures a perfect fit and a polished look that enhances your home’s interior design.
Blinds and shades come in a range of colors, materials, and textures, making it easy to find a look that matches your decor and complements your living space. From elegant wood blinds for your dining room to cellular shades in a playful color that suits your kids’ room to woven grass shades that bring a natural element to your living space, there is something for everyone.
Both blinds and shades offer a high level of privacy. They can be angled strategically to allow in light while blocking sightlines. They can also be crafted from different fabrics to vary the level of privacy. For example, a sheer fabric will allow a large amount of sunlight to enter a room while still providing some degree of privacy, while a cellular shade made from an opaque fabric will offer greater levels of privacy.
You can customize the look of your blinds and shades with a wide array of hardware and finishing details. Choose from decorative cords and tassels, fabric tapes, and more to make your custom window treatments truly your own.
Investing in custom window blinds and shades is a great way to increase the comfort, beauty, and functionality of your home. While it may take a little longer to receive your new window coverings than ready-made options, the results will be worth it. Custom blinds and shades will not only look better, but they’ll also manage light and privacy more effectively and improve your home’s energy efficiency for years to come.
Lighter or darker than the walls
Blinds and shades offer a range of color options that allow homeowners to create a statement of their own. Unlike ready-made window coverings, which are pre-made before anyone orders them and end up in landfills, high-quality custom blinds are made to order and designed to last. Choosing the right color for your window coverings will ensure that they complement or contrast with the walls, depending on what effect you want to achieve.
In general, lighter blinds tend to look best with neutral or light decor styles, while darker ones add warmth and depth to the space. The amount of natural light that a room gets should also influence the color choice. Brighter blinds reflect more sunlight and can make a space feel larger and more open, while dark blinds can add depth to small rooms or areas that lack natural light.
The color of your window trim should also be taken into consideration when selecting a shade color. Matching the color of your window frames to the wall paint is often a good choice because trim colors don’t typically change as frequently as wall colors. However, if you’d like to make a bolder statement with your blinds, you can always choose a color that is a few shades lighter or darker than the wall paint.
If you’re still unsure about which shade color will best complement your home, use our True Paint Matchmaker tool to find complementary or contrasting colors for thousands of real paint tones. Simply enter the color you’re considering for your blinds and the tool will show you other colors that harmonize with it. From there, you can work toward a monochromatic style or create a more dramatic look.
Easy to clean
Keeping window blinds and shades clean can be a time-consuming and tedious task. However, it is important for several reasons. Not only does a messy home look bad, but it can also have negative effects on our mental health and well-being. According to psychologists, a cluttered environment can cause stress and lead to difficulties in concentration.
When shopping for the best window treatments, it is important to consider how easy they will be to keep clean. Different styles of window blinds will have different cleaning requirements, but there are some general guidelines that will help you find the best options.
For example, horizontal blinds made of slats are generally more difficult to clean than vertical blinds. While slats can be easily dusted, they may need to be scrubbed or washed down if they are especially dirty. Vertical blinds, on the other hand, are much easier to clean since there are fewer places for dust to collect.
Another important factor to consider is how the type of window blinds interact with cleaning products. Wood and other natural materials do not react well to chemicals, so it is important to use natural cleaners when washing your windows. However, if you do need to use a chemical cleaning product, it is recommended that you make sure it is safe for your type of window blinds.
Luminette Privacy Sheers are often cited as the top choice for easy-to-clean window blinds, thanks to their smooth surface and vertical orientation. To clean, simply wipe down the slats with a cloth dampened in warm water and mild soap. After wiping, rinse the cloth in clean water to remove any residue and let the slats dry completely.
Energy efficiency
One of the greatest benefits that custom window blinds offer over ready-made options is energy efficiency. They are manufactured to your precise window measurements, resulting in a polished fit and optimal insulating properties. Ready-made blinds, on the other hand, are produced in a limited number of sizes long before they ever reach your home. That means they will often require adjustments and may not always fit your window perfectly.
Aside from being an attractive addition to your home, energy-efficient blinds also help you save money on heating and cooling costs. The insulated materials and design features can reduce drafts, block UV rays, and maintain a consistent indoor temperature. This can lower your energy bill significantly and even make a noticeable difference on your utility bills.
The specific options that are available to you will vary depending on your needs and budget. You will be able to choose from several different fabrics with different light control and insulating qualities, including a variety of colors and designs. Some are also available with a motorized lift system that allows you to automate their positioning based on the time of day and temperature, further optimizing your energy savings.
In addition, many of the available options for energy efficient window blinds have been crafted with child safety in mind. You can find cordless options that eliminate the risk of young children and pets getting tangled in their strings. This is a response to the troubling statistic that nine kids under the age of six die each year due to strangulation by window blind or shade cords.
While the initial investment for custom window blinds may be higher than ready-made options, the long-term financial rewards are well worth the upfront investment. Reduced energy bills and a more sustainable home environment will more than offset the initial cost.
Motorization
Motorization adds a sophisticated touch to window treatments while allowing them to operate without cords. This makes them a great option for customers who want to avoid tangled cords or those with small children or pets in their home.
They’re also a top choice for large windows such as skylights, oversized or tall windows in an office or living room. They eliminate the struggle that often comes with opening and closing regular blinds on these large windows. Motorized shades can be opened and closed at the push of a button.
Typically, motorized blinds can be controlled using remotes or smart device apps. They can even be integrated into your smart home system. Smart home integration allows you to control your shades along with other products like lights, thermostats and security systems. Some motorized window treatments, such as PowerView Automation from Graber, are compatible with voice assistants like Amazon Alexa and Google Assistant, allowing you to open and close your shades by simply speaking a command.
The most common method of operation for motorized window treatments is to use a remote. Different brands offer different remote options, from a single channel to 14 channels that can operate multiple shades individually or in groups. Some remotes include a Gateway Device that connects your shades to your home Wi-Fi network and allows you to create time-based routines and schedules.
Some motorized window shades use rechargeable batteries while others can be powered by a direct connection to your home’s electrical system. Our designers recommend choosing rechargeable options for a cordless experience, as they’re more environmentally friendly and less likely to need replacements. You can also add solar kits that harness natural light to continuously charge your motorized blinds and shades.
Homeowners Insurance Buying Guide
Homeowners Insurance offers protection for your house and personal possessions against damage from a variety of perils. The top homeowners insurance companies rating offer excellent customer service, great coverage options and plenty of discounts.
There are several types of home insurance policies to choose from, with each offering different levels of coverage. The most common is a standard HO-3 special form policy that offers dwelling, personal property, and personal liability protection. This type of policy includes open peril, which covers all events unless excluded, and named peril coverage, which limits losses to those specifically listed in the policy.
A standard HO-3 policy typically provides up to 20% of your home’s replacement cost for the dwelling structure, minus any applicable deductible. Additionally, it will pay to repair or replace any fixtures and appliances that were damaged by a covered disaster. In addition to the dwelling structure, many homeowners choose to add additional coverages, such as other structures (like a shed or fence), personal property, medical payments, loss of use and umbrella liability. Some insurers also offer separate flood and earthquake policies.
The amount of coverage you need will vary depending on the value of your home, but most lenders require that you have enough dwelling coverage to cover your mortgage, plus some extra for repairs or a replacement in the event of a major disaster. The best way to determine how much coverage you need is to work with a certified home appraiser.
Other common home insurance policies include HO-4, which was created for renters and protects personal property and liability but doesn’t provide dwelling coverage; HO-5, which is an open homeowners policy that has higher limit options for personal property and liability; and HO-8, which is designed to cover mobile homes.
Homeowners who want to further customize their coverage can add specialized riders for valuable items such as artwork or jewelry. However, these will usually increase the premium and may have a maximum coverage limit. Other factors that will impact your home insurance rates include your neighborhood’s crime rate, the age of your home and the construction materials used in its building. Additionally, a history of claims made against your home can affect your rate.
A home owner’s insurance policy does not usually cover damage caused by a flood or an earthquake, which must be purchased separately through the federal government. It also does not typically cover damage that could have been prevented, such as a burst pipe due to neglecting maintenance or overusing an appliance.
Exclusions
Homeowners insurance is designed to protect you against sudden and accidental damage, like a storm causing a tree to fall on your house. However, a standard policy excludes certain things, like termites and mold. These types of problems can be quite costly and may not be covered by a standard policy. However, some companies offer separate coverages for these issues. These extra coverages are called riders and can be added to a standard homeowner’s insurance policy.
Most policies also have exclusions for floods and sewer backups. These types of damages can be very expensive to repair and may not be covered by a standard homeowners’ insurance policy. But many companies do offer protection for these damages by way of an optional coverage rider that can be added to a standard home insurance policy.
Other exclusions include damage caused by the use of hazardous materials or illegal activities. These types of damage are typically excluded because they could be preventable. For example, if your kids have a sleepover and decide to jump on their trampoline, it can be very dangerous. If one of them falls off, they could be seriously injured. As such, this activity is often flagged by insurers as a possible reason to void your homeowner’s insurance policy.
Acts of war and nuclear accidents are often expressly excluded from your policy as well. This is because these events are so catastrophic that they would require an entire new rating metric for your policy to cover them.
A typical policy will also not pay to upgrade your house to current building codes if this is required after a disaster. This is because the cost of upgrading your home to meet these standards is a direct result of the damage that was caused by the disaster.
Some other common exclusions are landslides and sinkholes. These are typically covered by an earthquake or flood insurance policy that you can purchase separately from your homeowner’s policy.
Deductibles
Deductibles are one of the key factors that homeowners must consider when selecting a home insurance policy. The deductible is the amount you must pay out of pocket on each claim, and it is typically a percentage of the insurance policy’s coverage limit. Generally, the higher the deductible, the lower the premium. However, homeowners must weigh the long-term financial implications of their choice carefully. For example, raising the deductible to $5,000 can significantly cut homeowners insurance rates but would require a larger sum out of pocket in the event of a claim.
Insurance companies typically offer multiple deductible options, and it is the responsibility of the homeowner to select the right one for their financial situation. A common mistake is to focus solely on reducing the premium, forgetting that the out-of-pocket costs should also be taken into account.
The inverse is also true. A low deductible often leads to expensive premiums, and even though the out-of-pocket cost may be small, it can add up over time. It is recommended that homeowners obtain quotes based on various deductible levels to find the “sweet spot” of affordability and adequate coverage.
In addition to standard home insurance policies, some companies offer a number of optional endorsements that increase the coverage of specific items or events. For example, some policies include a water backup protection endorsement that pays for damage caused by sewage back-up, while others offer shingle matching programs or appliance insurance. In addition, some insurers will allow customers to purchase extra property protection coverage for valuable items like jewelry and fine arts.
Other additional coverages include a loss control service, which offers free safety inspections and advice to prevent losses, and a mortgage life insurance policy that provides death benefits to the heirs should the owner die while still living in the house. Other options may be available depending on the state and the individual insurance company.
Some states require that homeowners have a separate deductible for hurricane damage, while others may incorporate the deductible into the standard home insurance policy. In either case, the deductible is paid before the insurance company will begin to pay on a claim.
Policy Limits
Policy limits are the maximum amount of coverage available to you for a single claim under an insurance policy. They may be specified as individual, per-claim or aggregate limits and are contractually agreed upon at the time a policy is written. We can help you to determine the appropriate levels of coverage for your needs.
Your dwelling coverage limit should be high enough to cover the cost of rebuilding your home at today’s labor and material costs in the event of a total loss. In addition you should consider having sufficient personal property coverage to replace your belongings and a medical payments limit to pay for injuries to people who visit your home, even if you are not at fault. You can discuss your options with your insurance producer or agent.
Other structures on your property (such as sheds, barns and detached garages) are typically covered at a percentage of the dwelling coverage limit. Check with your agent or company to make sure the amounts are adequate.
The amount of liability coverage you select is also important. In the event of a large claim, you want to be certain that your liability coverage is high enough to protect your assets and allow you to pursue justice. If your net worth is significantly above the $100,000 limit offered in most standard homeowners policies, you should consider obtaining an umbrella policy to provide additional protection.
If the amount of a claim exceeds your policy limits, you may be required to pay for the difference. If your policy has an inflation guard endorsement, the coverage amount will automatically increase by a pre-determined percentage each year to ensure that it remains at least 80% of current replacement cost.
If your insurer refuses to negotiate in good faith after you have made a reasonable settlement demand, we can file a bad faith lawsuit and a policy limit demand with the insurance company. The law requires the insurance company to make a good-faith attempt to settle after receiving a reasonable offer. If they do not, we can recover damages and reimbursement for you.