Mar 16, 2012

Help Protect Your Home and Save Money

Your home is almost certainly your most valuable asset, so it is very important that you look after it properly. Allowing it to get damaged, fall into disrepair, or get burgled will only hinder the standard of your lifestyle, so it is important that you take steps to against these possibilities. It is, of course, important to get home insurance to protect your investment, but your aim should be never to need to claim against this policy.

Maintaining a home is an intensive job. It is one which will take up a large proportion of your time and it is absolutely necessary. Australia has a very harsh set of weather conditions. The intense heat is also joined by heavy rains in large quantities, so your home needs to be able to withstand the worst. It is important to regularly check the quality and condition of your building. The roof is perhaps the most important because any leaks could cause severe damage to your home. Check the tiles regularly and be sure to promptly replace any which are loose or damaged. Maintaining the paint on the outside of your home is also a great way to ensure that it is weather-protected. A good coat of paint should be applied every 2–3 years.

Storm Precautions
With unpredictable flooding in much of Australia, it seems wise to prepare your home against storm waters. This is not an easy task, but there are landscaping precautions you can make to help keep the water at bay. Walls will help to keep water out better than wooden fences, and integrating ditches into your landscaping could divert the path of any storm waters. Installing shutters on your windows and doors will also help you to keep the weather at bay.

Flood Preparation
If a storm does become a flood, you will need sand bags. Having a large stock in a cool, dry part of your garage will help you to deal with the worst if it does occur. It is also sensible to establish a safe room with supplies in it, so that you can survive for a period without suffering if you are left stranded. Remember that flood cover is often not included in your
home and contents insurance. If you live in a high-risk area, like a flood plain, it is worth looking at the possibilities for this type of cover.

Emergency Preparation
It is important to have a plan in place for every type of emergency. This is as much about protecting your family as it is about protecting your home. Consider what you will do if there is a fire, flood or other disaster and make sure that your family is well drilled in the processes.

It is prudent to take every precaution you can against intrusion into your home by burglars. This can be prevented through locks, Crimsafe screens and alarms. Also, remember that making your home appear occupied is one of the best ways to deter burglars, so be sure to manage your garden, your mail and your home’s outward appearance, even when you are away.
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