Monday, December 29, 2008

Cure for the common cold


Cure for the common cold

‘Most of us have something in common this time of year; yes, it's cold weather. Cold weather can be detrimental to our homes, if we are not prepared. We cannot stop the cold from visiting, but we can prepare some cures to prevent costly repairs and discomfort of this common cold.

Recently, I experienced a cold weather disaster to my rental property. When I talked to my insurance agent I was surprised to find out the extent that cold weather has on costly repairs. My agent told me that it is not unlikely to have cold weather related insurance losses mount to over a billion dollars a year.

In my case, I found out the hard way that during severe cold, your house temperature should not fall below sixty-two degrees, even when no one is home. The exterior walls of your house are commonplace to house water pipes. To keep the pipes from freezing inside the walls, you must maintain at least a temperature of sixty-two or sixty-five depending how severe the cold gets in your area. Pipes that freeze usually burst. This is not good. I know too well. It is a good idea to check for water pipes that are exposed near exterior walls in basements or crawl spaces. These pipes should be insulated; this is an inexpensive cure for a costly problem.

Roof and gutter damage are also major contributors to insurance losses and costly repairs to homeowners. Excessive snow and ice build up can tear off gutters and cause roofs to leak or even collapse. We cannot prevent all problems and catastrophic disasters. But here are some ways to help cure the “common cold" problems:

 Keep trees trimmed back at least ten feet from the roof
 Keep gutters attached properly
 Keep gutters cleaned
 Make sure that downspouts are properly attached and free of debris
 Keep attic vents clear (well vented attics will help protect your roof from damage due to “ice damming”)
 Make sure that the insulation in your attic is adequate for your climate (this will also help protect your roof from “ice damming”)

Take some time to learn what steps you can take to prevent damage to your house. Preventive maintenance is the best way to save you money on costly repairs. With house repairs, you pay now or later. I found that now saves you money over later.

"Call Your Handyman and Take A kid Ice Fishing"

Now is the time to protect your house from”The Common Cold”.

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