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 Have a plan for home improvement
We’ve all watched a DIY show and thought “I could totally do that,†right? When it comes to repainting a bedroom or replacing the kitchen countertops you are probably good to go, but taking on more complex (and expensive) projects like a bathroom remodel or home expansion might require the handiwork of licensed professionals.
Do your research
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Know what type of improvements you would like to make, have a list of ideas and have a predetermined budget.
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Certain projects, like adding an additional bathroom or removing a wall may require a permit. Contact the Building Department in your county to see what types of permits may be necessary.
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Check out reputable contractors via the Better Business Bureau. Get quotes from at least three companies and choose the company you are the most comfortable with. Ask the company to provide proof of insurance and licensing.
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Let your insurance agent know that you are going to be adding improvements or remodeling your home. They can let you know if certain projects will adjust the cost of your home insurance premium.
Plan ahead
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Some home improvement decisions can be made overnight. “Let’s upgrade the front door,†or “I think the garden could use some additional flowers,†are easy, quick decisions to make, but not all home improvement projects are created equally. If your home is about to become filled with workers, dust and noise, make sure you take steps to help your family during this exciting, but probably somewhat stressful time.
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Projects can run long and over budget if you are not careful. Don’t stretch yourself too thin with your budget, leave wiggle room for unexpected expenses or additional ideas.
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Know what you are willing to do yourself: painting, staining, etc.. Leave the heavy hitting portions of the project like plumbing, flooring, electrical and framing to the professionals.
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Document everything! If something goes wrong during the project make sure that you document the issue, like a burst pipe or new shower faucets that leak, and what steps the contractor took to fix it, you will need this in the event you face these problems in the future and need to make a claim either to the contractor or your homeowner’s insurance.
Home improvement projects are a big undertaking and they do not always go according to plan, but having a plan, hiring a contractor and only DIY-ing what you know you can do can help save you from a costly homeowner’s insurance claim. Have questions about your remodel potentially impacting your homeowner’s insurance policy? Give us a call!
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Need insurance for your snowmobile or other toys? Ask your agent today about our competitive rates!
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Saturday November 16th from 4 p.m. to 8 p.m. the Skagit County Wine & Beer Festival will showcase brews and sips from around Washington
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