When to Repair your Roof

When to Repair your Roof

The roof is a very important part of your home. Many homeowners have to deal with roofing issues. When a roof caves in or falls apart, it can be disastrous. To avoid a catastrophic roofing issue, it’s best to keep up with roof maintenance and repair before it’s too late. Below, we give you some signs to look for so you know when to repair your roof.

Roof Repair

Age

One of the biggest indicators that your roof needs repair is age. Most professionals suggest that it’s best to fix your roof every 20-25 years. If it has been some time since you’ve gotten your roof updated, contact a professional and ask them to perform an inspection.

Damaged Shingles

The quality of your shingles will also let you know when to repair your roof. If shingles are cracked, missing, wet, or worn down, it may be time to get your roof checked.

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Granules in the Gutter

When your shingles start to wear down, the granules will fall off. If you start to notice the presence of granules in your gutters, this may be a sign that roof repair will be needed soon.

Moss and Algae

Moss and algae can develop on your roof over time due to climate. Moss and algae can eventually eat away at your roof, making it weaker. If you start to notice algae on your roof, keep a close eye and make sure the area isn’t too damaged.

Sagging Roof

When a roof starts to wear down, it will begin to sag. This can eventually lead to a cave in. If it looks like you roof is sagging, call an inspector and have them take a look.

Ceiling Staining and Leaking

When water builds up in your ceiling, it will start change colors due to water damage. During heavy storms, this stained area can build up with water and eventually burst, causing more damage. If you start to see stains in your ceiling, contact a roofer immediately.

Roof damage can lead to worse problems if it’s not taken care of. That’s why it’s important to know when to repair your roof. Knowing the signs will save you money and keep you out of trouble in the future. If you do end up needing roof repair, your SkyBlue Home Insurance policy should cover some of the repairs.

Some SkyBlue Home Insurance policies provide coverage for roof repairs and damage. SkyBlue Insurance is an authorized representative for some of the leading providers of SkyBlue Home Insurance. We can find you affordable rates on SkyBlue Home Insurance with coverage for roof repair. Contact us now and request a free SkyBlue Homeowners Insurance quote and see how much you can save on roof coverage.

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Common Home Insurance Claims

Common Home Insurance Claims

Home is usually the place where we feel safest. It’s where we escape from the world when we want some time to ourselves. Home is where you relax, sleep, eat, play, and grow. Since your home is such a big part of your life, it’s a good idea to do anything you can to protect it.

When accidents like bodily injury or flooding happen, you, the homeowner, may be responsible for the losses. That’s why it’s important to have a home insurance policy. When you have this insurance, the weight of liability is taken off of your shoulders. Your home insurance policy can come in handy for many reasons. Listed below are the most common home insurance claims.

Dog Bites

We love our dogs, but they add an extra degree of liability. Some of the most common claims related to dogs are dog bites. If a visitor, mail person, or worker gets bitten by your dog, you may be held financially responsible. Lucky home insurance will cover these costs.

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Water Damage

A burst pipe can flood your home and cause significant damage to the interior and your belongings. Also, water can build up on your roof, causing it to cave in. These claims are all too familiar to insurance providers.

Falling Trees

There was a tall tree in front of your home that provided shade from the sun. Now that tree is in your living room. Tress can fall for various reasons, and sometimes they land on your house. Good home insurance coverage will protect you from the damages caused by fallen trees.

Weather

Many claims are made due to weather. Homes can be damaged by rain, hail, high winds, tornadoes, floods, hurricane, and lightning. Home owners insurance will protect your from these natural events.

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Fire

Claims relating to fires are very familiar to home insurance providers. Fires can happen for many reasons: faulty wiring, an unattended stove, a candle that was never blown out. A fire can be horrific for a homeowner to experience and the damage can be expensive to fix. Fortunately, your home insurance policy will cover the loss.

Though your home is a placed of solace, there are many accidents that can occur. To free yourself of liability, try to find the best home insurance coverage. If you’d like to know how much you can be covered for, get an instant SkyBlue Home Insurance quote today! There’s nothing better than knowing your home and your loved ones are completely safe.

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How to Buy a Home

How to Buy a Home

insurance-for-my-home-house-imageBuying a home is a big step. It’s also a long and drawn-out process. For inexperienced buyers, the whole ordeal can be very overwhelming. Whether you’re a first time buyer or purchasing your third home, becoming a homeowner is a big investment and big liability. Knowing how to buy a home is important. There is a process one must take before they can close on a home. Read below we show you how to buy a home and endure the process.

Check your Credit

You will most likely need a loan when purchasing a home. Your loan amount depends on your credit score. Credit scores range from 380-850; the higher the score, the more likely you are to get a bigger loan. You can check your credit for free online from numerous sites.

Choose a Realtor

A real estate agent isn’t always necessary, but it’s good to work with an expert who knows how to buy a home. A realtor can be very helpful for the more complicated parts of the process. Realtors know the industry and understand the housing market. They can find the homes that meet your needs and save you a lot of time.

Choose a Home

There are a number of sites with listings for available homes in the area in which you choose to buy. You can easily adjust search results to match your exact needs. If you’re using a realtor, they can also find you great homes to choose from.

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Find Funding

When buying a home, the ‘for sale’ price is usually not the price you will pay. There are few fees that you must consider when making your purchase. These include closing costs, inspection fees, appraisal, inspections, and more. Be sure that you have secured enough funding to cover those costs.

Make an Offer

Once you have everything you need, it’s time to make your offer. This is where your realtor comes in handy. They can work with the seller to negotiate the best deal and draw up a contract between the seller and the buyer.

Get Insurance

Because a home is such a large investment, it’s wise to keep it protected. That’s why you need SkyBlue Home Insurance. Insurance will cover losses like injuries on the premises, damage from weather, flooding, and much more. SkyBlue Home Insurance will also cover any repairs that need to be made before you move in, especially if your home need repairs in order to meet code. We are here to help you find the most affordable SkyBlue Home Insurance policies in the city. Give us call or go online and get a SkyBlue Home Insurance quote for free!

Close

This is the final and most exciting step. This is when all parties involved come to an agreement and the deal is finalized. This is when you pay the closing costs which include: the down payment, title fees, appraisal fees, attorney fees, inspection fees, and any other costs associated with the purchase

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Buying a home for the first time can be the experience of a lifetime. That’s why we wanted to show you how to buy a home. Hopefully this guide makes the process less threatening and stressful. Remember to protect your investment and get Home Insurance. If you have any more questions, give us a call at 1-800-771-7758 today. If you’re ready, go online now and request a free SkyBlue Home Insurance Quote for instant results.

 

 

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