June 2021

24
Jun

Home Repairs and Improvements Tips for Proactive Homeowners

As a new homeowner, particularly of a new house, you might believe your house doesn’t need any improvements or repairs. While a newer house may not have experienced the same trials as an older one, there may still be imperfections and other problems that have to be addressed.

During the pandemic-induced lockdown, most homeowners realized the importance of investing in home improvements and repairs. This is especially true of remote workers who, having to spend more time indoors than outdoors, invested significantly in the improvement of their interior decorations and furniture. Some even spent more money on the purchase and maintenance of both office and home equipment.

Tips for Home Repairs and Improvements

The following are a few tips that you can follow for improving or repairing your home

1.Inspect your home down to the structural aspects and create a list of maintenance and repair costs. By doing this, you will learn more about the condition of your home. You can even hire professionals or licensed inspectors to do the inspection for you so as not to miss out on anything.

2.Make adequate plans and schedule your home improvements and repairs based on priority. Once the full inspection is done, start working on the prioritized recommendations and schedule your home repairs/improvements accordingly.

3.Perform maintenance at specified intervals or hire a professional to take care of inspection tasks. This will prevent repairs from piling up and will keep you on your toes about what needs to be improved or repaired in your home. The goal is to do this regularly rather than to wait for major disasters to worsen the damages.

4.Schedule replacements of things that need to be improved or repaired. You can do this by setting aside savings for home appliances and replacing them after they reach a certain age. Doing so can prevent collateral damage caused by any failures of their systems.

Benefits of Home Improvements and Repairs

Being proactive towards home improvements and repairs has its own benefits, including a longer home lifespan and a more enjoyable home to live in. Some other benefits include:

1.Protection during emergencies: Making sure you’re on top of the improvements and repairs required in your home can save you from having to pay expensive fees for emergency repairs. You should also keep your warranties handy in case of an emergency.

2.Prevention of avoidable disasters: Regular maintenance of your home can also help avoid disasters like flooding caused by burst pipes and other related repairs.

As a homeowner, the best thing to do is to be proactive towards home improvements and repairs. This will help you live more comfortably and without the worries of emergency breakdowns. If you are looking for reliable home insurance in Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York, you can check us out at Abatelli. We will help you find a suitable insurance policy for your home in no time. Contact us today!

 

10
Jun

What Can Invalidate Your Car Insurance?

All car owners know that having car insurance is required by the law. Without an active policy, you can be fined or have your driver’s license revoked. A car owner might even be imprisoned if they cause an accident and are found without insurance at the time of the accident. However, even with legitimate car insurance, certain actions carried out by a car owner can render their policy invalid.

Things That Can Render Your Car Insurance Invalid

 1.Wrong Home Address: Insurance premiums can be higher depending on how dangerous or safe the area you live in is. While you might want to reduce insurance costs by giving another address where the crime rate is low, the insurance company can invalidate your policy if they discover this. Also, if your car is ever stolen, you will have to explain why you have a different home address on your claim form before payment can be made, which might then lead to no insurance at all.

2.Unclarified Car Modifications: Whatever modifications you might have done to your car should be clarified and made known to your insurer so that they can make the necessary changes to your insurance policy. A modified car can be more prone to theft and might become even more dangerous depending on the part which was modified. You might have to pay a higher insurance premium to cover the modification, which is why any changes should be clarified before buying insurance.

3.Failing to Inform Your Insurers of Accidents: Any accident you are involved in, no matter how minor it is, should be made known to your insurer even if you decide not to make a claim or you decide to sort out the expenses yourself. This is because the other driver involved in the accident might decide to make their own claim. Also, if you end up making a claim for another accident later on and the damage of the first one is still present and doesn’t match the current report, you might end up not getting paid.

4.Allowing Others to Borrow Your Car: You may be fully insured, and the person who wishes to borrow your car may have their own policy as well. However, if you or the driver in question does not have a policy that covers borrowed cars, you might not be able to place a claim if they get involved in an accident while driving your car.

5.Change of Occupation: Lastly, your car insurance can become invalid if you fail to inform your insurers about your change of occupation. This is because such a change may affect the level of risks you are exposed to, ultimately affecting your premiums. For instance, if you have to drive a longer distance to reach your new workplace, you are exposed to higher risks of accidents and would therefore be required to pay higher premiums.

These are a few circumstances that might invalidate your car insurance. If you are looking for a reliable insurer for your car in Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York, you can check us out at Abatelli. We will help you find a suitable insurance policy for your car in no time. Contact us today!

COVID-19 Update

Our office remains open and our staff is working remotely to continue to service our clients. You can reach us at (718) 352-6000 Letter to Policyholders