Nyack Homeowners Insurance

Dated: March 15 2016

Views: 2237

We all think that we have home insurance, and there is nothing to worry about. If you have lived long enough you have probably learned that this is not the case. There is a whole lot of fine print that none of us reads until it is too late.  See below for some areas of your insurance policy to investigate.


Termites

Termites can do severe damage to your foundation if colonies — which can range  from 100 pests to up to several million — invade your home. Paper, wood and decomposed plant material that are' in close contact with soil or dirt near your home will provide termites with a source of food and entry to your home. Moisture accumulated around the foundation and in crawlspaces that have poor ventilation can provide a water source for the termites to survive on. Termites can destroy support beams and other wood in your home. If termites enter your home and cause damage, don't expect your homeowner's insurance to cover the cost of repairs.


Mold

Mold is not only a sight for sore eyes, but it is also a health concern if it grows in your home. Mold can bring out symptoms similar to allergies and can even cause breathing difficulty. Despite the common presence of mold, the traditional homeowner's insurance policy limits coverage for mold damage or completely excludes it. The best solution for mold is to stop it before it begins growing. If your home floods or you have leaking pipes, eliminate the moisture before mold has the opportunity to grow.


Sewer backup

As sewer lines rapidly age, more homes are being hit with sewage backups due to out-of-date sewage lines. Other causes of backups are pipelines that handle storm water and raw sewage, and blockages from tree roots that find a path into sewer-line cracks. If a sewer backs up into your home, it can damage and ruin flooring, furniture, walls and your electrical system. Your homeowner's insurance will not cover the cost of repairs. If you are looking for protection from sewer backup, consider extra insurance that can be used as endorsements to your current policy.

Image title


Blog author image

Mary Lovera

In today’s world, our relationships are very important so much so that The Right Relationships can make all the difference. This year marks my 20th year in Real Estate. In that time, I’ve happ....

Want to Advertise on this Site?

Latest Blog Posts

Decreasing Plastic Waste In Nyack

Great article attached regarding "swaps" to make to reduce plastic waste in our everyday lives. And, please be gentle with our watery natural resources (rivers, lakes, oceans, etc.) The number of

Read More

Hiking The Appalachian Trail Near Nyack

There are a lot of ways to spend a nice day around the Hudson Valley, and hiking parts of the Appalachian Trail is one of them.  Here's a quick link to a great article in Hudson Valley Magazine

Read More

Update On Clarkstown Fireworks Show In Nanuet

With the crazy, hot, swampy weather we've had recently, and the projected stormy weather that will chase it away, the following update just arrived from Clarkstown. Due to the inclement weather

Read More

A Castle In Harlem To Inspire

In the fall of 2019, pre-Covid, my life was taking on all kinds of change and I welcomed it all with open arms.  My first agency, where I learned some of my most important skills as a real

Read More
Fair Housing Icon NY Fair Housing Notice