It is important to know that insurance companies will not insure every home just because someone is applying and they have money for the premium. Insurance companies need to make sure that they are only covering properties that meet certain criteria. To help make sure that you are not going to be denied a policy when you seek one, you will want to make use of the following tips:
Make Sure All Of The Siding Is In Good Shape
Some people assume that good siding is all about aesthetics, but there is much more to it than that. The siding on your home protects it against damage from moisture and pests. If there is even one small piece of siding missing, the insurance company could deny your request for coverage. This is because water can get in behind the rest of the siding and cause significant water damage to the structure. This is damage that the insurance company does not want to be responsible for. Therefore, before applying, you will want to carefully look over the siding on your home to make sure that every single piece is there and that there are not any holes that could let water get in behind the siding.
Fix Any Broken Walkways, Steps, Or Railings
You need to do everything you can in order to protect people that visit your home. If someone were to trip or fall and become seriously injured, they would likely need to file a claim against your homeowners' insurance policy. This is to cover medical expenses that they would not have had if you had made sure that the sidewalk, steps, or railing was repaired. The insurance company would like to avoid that, so in order to approve your insurance application, they need to see that the outside of your home is a safe environment.
As you can tell, someone from the insurance company is going to drive past your home and take a good look at the exterior. If they see that everything is in order, they can report back to the office and your application for insurance can be approved. If there is something wrong but it is minor, the insurance company may let you know and give you time to make the needed repairs. This way, once you have done the work that they requested, you can reapply and get your homeowners' insurance policy set up.
Call an insurance company, such as Garfield Farm Mutual Insurance Association, to get home insurance.Share