Cynthia Spencer's

Cynthia Spencer's

Community News & Real Estate Market Updates

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<p><img loading="lazy" class="alignnone wp-image-111 size-full" src="https://cynthiaspencer.treg.news/wp-content/uploads/sites/12/2020/09/AMM_9_11_20_AutumnMaintenanceInsurance-1.png" alt="" width="1000" height="500" srcset="https://cynthiaspencer.treg.news/wp-content/uploads/sites/12/2020/09/AMM_9_11_20_AutumnMaintenanceInsurance-1.png 1000w, https://cynthiaspencer.treg.news/wp-content/uploads/sites/12/2020/09/AMM_9_11_20_AutumnMaintenanceInsurance-1-300x150.png 300w, https://cynthiaspencer.treg.news/wp-content/uploads/sites/12/2020/09/AMM_9_11_20_AutumnMaintenanceInsurance-1-768x384.png 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-weight: bold; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Now Is a Great Time For Home Maintenance &amp; Insurance Check-ups!</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">The beginning of Autumn is just a couple weeks away, and it’s time to start thinking about the cooler months ahead. Fortunately here in the southeast our winters are not too harsh, but it is still beneficial to take advantage of our upcoming moderate weather to repair damages and perform required maintenance in and around our homes. It is also a good time of year to take stock of your home insurance coverage. Here are two helpful checklists of ideas to keep both at peak performance so you can enjoy the changing colors, cooler evenings, and pumpkin pie spice everything.</span></span></p>
<p>&nbsp;</p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-weight: bold; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">EXTERIORS</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Check your foundation for cracks. </span><a style="text-decoration: none;" href="https://www.energy.gov/energysaver/weatherize/air-sealing-your-home/caulking"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">Caulk the areas</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> where masonry meets your siding, around window and door frames, and where pipes enter the house. This maintenance procedure offers the ‘most bang for your buck’ by preventing heat from escaping, and water/ice damage in your pipes and crawl space.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">If applicable, install your </span><a style="text-decoration: none;" href="https://www.bobvila.com/articles/installing-storm-windows/"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">storm windows</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> and doors and remove your screens. Clean and repair screens before storing for the winter. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Check for peeling or blistering </span><a style="text-decoration: none;" href="https://manorworks.com/2018/05/how-long-should-my-exterior-paint-job-last/"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">paint</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> on your exterior walls. This is a sign that your existing paint is failing and can no longer protect the siding. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><a style="text-decoration: none;" href="https://www.ahs.com/home-matters/repair-maintenance/diy-tips-roof-inspection/"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">Inspect your roof</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">. Check for missing or loose shingles. Your roof is your first line of defense in protecting your home. When your roof is not functioning properly, it can lead to water damage that can cause deterioration to your insulation, drywall, and wood making your electrical and </span><br />
<span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">HVAC system vulnerable. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">After the leaves have all dropped, </span><a style="text-decoration: none;" href="https://www.homedepot.com/c/ah/how-to-clean-gutters/9ba683603be9fa5395fab90ce752a5b"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">clean and inspect your rain gutters</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">. Clogged gutters are a major cause of water/ice damage. Consider new gutters with built-in leaf guards. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">If applicable, inspect your pool cover. Replace and/or repair if necessary. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Inspect the weather stripping on your garage door. Seal between door and ground should be tight to prevent air and small animals from coming in.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Inspect your driveway for cracks. Repair with driveway filler and commercial sealer.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Check your porch and deck stairs and railing. Clean and repair deck furniture, then cover and store for the season. </span></span></p>
<p>&nbsp;</p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-weight: bold; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">INTERIORS</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Check </span><a style="text-decoration: none;" href="https://www.flir.com/discover/professional-tools/how-can-you-tell-if-you-have-missing-insulation/"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">insulation</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> and sealing. Much of your energy costs are heating and cooling and proper sealing can save you up to 20% on those costs.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Schedule an </span><a style="text-decoration: none;" href="https://www.moving.com/tips/the-homeowners-guide-to-hvac-maintenance/"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">HVAC maintenance check</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> by a licensed contractor. This should be done twice a year. Properly serviced systems have fewer problems, are more efficient, and last longer. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Replace your HVAC filter.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Consider cleaning your </span><a style="text-decoration: none;" href="https://www.epa.gov/indoor-air-quality-iaq/should-you-have-air-ducts-your-home-cleaned"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">ductwork</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Have your </span><a style="text-decoration: none;" href="https://www.inman.com/2012/11/21/6-things-a-fireplace-inspection-will-help-you-avoid/"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">fireplace checked</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> to ensure that it is in good working order. Hire a licensed chimney sweep to clean your chimney. Clogged chimneys pose a fire risk. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Change your ceiling fan direction to create an upward draft to redistribute the warm air from your ceiling. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Check your smoke and carbon dioxide detectors. Refresh the batteries if needed.</span></span></p>
<p>&nbsp;</p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-weight: bold; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">LAWN &amp; GARDEN</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Clean and store your summer gardening tools. Drain fuel from gas-powered equipment.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Organize your garage.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Clear fallen leaves from your yard. Reseed patchy lawn areas. Fertilize your lawn with a high phosphorus mix to ensure healthy green grass in the Spring.</span></span></p>
<p><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Plant spring flowering bulbs. Prune trees and shrubs. Do you need to add mulch?</span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Drain and store your garden hoses if you will not need them over the winter.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Do you need a snow shovel and salt handy?</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Inspect and fill your bird feeders. If you feed birds in your yard, make sure to continue throughout the winter.</span></span></p>
<p>&nbsp;</p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-weight: bold; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">HOMEOWNERS INSURANCE CHECK-UP</span><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Does your homeowner’s policy include </span><a style="text-decoration: none;" href="https://www.insurance.com/home-and-renters-insurance/coverage/how-to-calculate-home-replacement-cost-value"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">full replacement cost</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> for your home? </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Do you have </span><a style="text-decoration: none;" href="https://www.insurance.com/home-and-renters-insurance/personal-belongings/content-insurance.aspx"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">replacement coverage for the contents</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> of your home? You may want to consider replacement cost insurance on contents to minimize depreciation on a claim. You will need an inventory, and possibly a video to determine proper values. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">You may require broader coverage for specific items such as firearms, jewelry, silverware, etc. Most people opt for specific coverage on items valued over $1,000. Up-to-date appraisals may be required. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">If you run a business from home, it is not protected by your homeowner’s policy. Businesses generally require commercial insurance, coverage can usually be provided by an inexpensive add-on to your policy.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Boats and ATVs may require more specific coverage under your homeowner’s policy.</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Ask about </span><a style="text-decoration: none;" href="https://www.nationwide.com/lc/resources/home/articles/what-is-ordinance-or-law-coverage"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">Ordinance or Law coverage</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> to cover building code changes.Most policies do include a small amount, but it is good to check. This extends coverage for building code changes that may affect undamaged portions of your home. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Your policy does not cover earthquakes. You must add an endorsement for earthquake coverage. Earthquakes don’t just happen in California!</span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Your homeowner’s policy does not cover floods or groundwater seepage. Flood insurance is offered through the </span><a style="text-decoration: none;" href="https://www.benefits.gov/benefit/435"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">National Flood Insurance Program (NFIP)</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Condominium unit owners’ needs are different. Additions and/or alterations that become a permanent part of the building but you are responsible for may need to be insured separated from the Association Master Policy. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">High personal injury lawsuit settlements being awarded today mean that you should consider a Personal Catastrophe Liability policy.</span></span></p>
<p><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">If your home is unoccupied for 60 days or more, it may be considered vacant and fire coverage may be cancelled. </span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Should you consider increasing your deductible to take advantage of premium cost savings? </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Ask your insurance agent whether you are due any discounts, or are there any </span><a style="text-decoration: none;" href="https://www.iii.org/article/how-to-save-money-on-your-homeowners-insurance"><span style="font-size: 11pt; font-family: Arial; color: #1155cc; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip: none; vertical-align: baseline; white-space: pre-wrap;">discounts</span></a><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> you may be able to take advantage of. </span></span></p>
<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">With a little planning, research, and elbow grease, you can be prepared for anything the seasons throw at you. If you need any recommendations for home service providers, and homeowner’s insurance policy representatives, contact me. I am a real estate professional and work with these folks everyday. I can provide you with valued referrals. </span></span></p>
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<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span id="docs-internal-guid-f3a1b275-7fff-d444-65b2-8ab762201cad" style="caret-color: #000000; color: #000000;"><span style="font-size: 11pt; font-family: Arial; background-color: transparent; font-weight: bold; font-style: italic; font-variant-ligatures: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Happy Autumn!</span></span></p>
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Cynthia Spencer
The Real Estate Group
Virginia Beach Office
401 N Great Neck Rd. Suite 126
Virginia Beach, VA 23454
(757) 961-9090

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The Real Estate Group Serves Coastal Virginia and North Carolina, including:
ChesapeakeVirginia BeachNorfolk Suffolk     
Edenton    Elizabeth City      Moyock OBX

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