Landscaping has numerous benefits increasing your home's curb appeal and its resale value. It can also provide an opportunity to experience the beauty of nature and get some exercise.
Whether you are a do-it-yourself person or you higher a professional to design your yard, there are a few things that you will have to keep in mind. First, how much effort it will take to implement, how much it will cost to maintain, and what your HOA will allow.
Below are helpful tips for reducing the likelihood of a home insurance claim due to your property's landscaping.
Tree Maintenance
It is best to remove dead, old, or rotten trees around your yard. You can either remove the trees yourself or have a professional take care of it. Trees blowing onto homes is one of the most frequent but preventable home insurance claims.
Maintenance of your trees is key to keeping your tree healthy and not damaging your home. Often builders will plant trees next to the house, and as it grows, the branches rub against the home, damaging the home, trim, or gutters. This would not be covered under a home insurance policy because it is due to wear and tear over an extended period of time. Insurance requires the claim to be sudden and accidental.
All of us have had the power go out at one time or another. Be proactive. If you have trees that grow close to your power lines, make sure branches do not overhang. If they do, contact your city and speak with them about how they would like to remedy the situation.
Sewer and Gas Line Protection
If you are planting trees in your yard, knowing where your sewer line runs is essential. Tree roots often cause pipes to back up or clog, which could leave you in a stinky mess. The same goes for gas lines. Tree roots can puncture the lines and cause significant issues. If you are unsure of where your gas line is, it is best to contact your gas company, and they will come out and mark where the line is for you.
Divert Water Away From Your Home
If you make any alterations to the land around your home, always be aware that the grade should always be sloping away from the home to prevent excessive water at the foundation. Also, check your downspouts often for correct alignment away from the house and clear of debris.
It is wise to check your gutters twice a year to clean them of debris that has blown into them. Clogged gutters can lead to backups that can cause water to enter your home. If you cannot properly clean your gutters, contact a local licensed company who would be happy to clean them for you.
Mulching around your home and foundation can provide an appealing aesthetic. However, it can also invite an unwanted guest. Carpenter ants nest in siding and trim and, if not noticed, can cause significant damage to your home. As a result, many landscapers are moving to rubber mulch since it does not attract any harmful insects.