Congratulations! You are either shopping for a new home in the Houston, TX area or are looking for information on home insurance. Before your mortgage will finalize, you’ll need a new home insurance policy from Heydari Financial Group. The agent will likely have an adjuster visit the house before they agree to sell you the policy. What will they be looking for?
Is the Home Secure?
The adjuster will verify that all the locks on the entry doors and windows are in good working order. They might check that fences have a good latch and that the garage door is able to fully close. They may require that you or the seller fix any missing locks. You want your possessions protected against theft.
Is the Exterior in Good Shape?
They will take pictures of the home and document the age of the roofing material, check the chimney for wear, and test the siding. If the home has missing clapboards or has peeling paint, it is possible that the insurer will want those maintenance issues addressed as soon as possible. It may turn out that the peeling paint contains lead and will require abatement.
Are there any Health Hazards?
Inside the home, the technician will check the basement and attic for signs of mold, water damage, or pests. A lingering damp spot may indicate a problem with the roof structure. Mouse droppings could tell you that there is an infestation.
These steps are taken to ensure that you are buying a property in good repair that does not pose an immediate hazard to your family or the neighborhood. Once the inspection is complete by Heydari Financial Group, you should be able to move forward with the purchase of your Houston, TX home.
Contact our agents at Heydari Financial Group for quotes on your insurance needs. We can also help you make the decisions that will guide you to the perfect plan.
Roof repair and maintenance is one of the many responsibilities of home ownership. Even new roofs can become damaged due to weather conditions and branches, so just because your roof has been replaced recently, it is still important to regularly check for damage. Heydari Financial Group in Houston, TX understands the damage that an unmaintained roof can cost a homeowner. To make sure your roof is leak and damage free look for the major signs of roof damage below that should never be ignored.
Loose, Missing, or Damaged Shingles
It is a good practice to check the shingles on your roof regularly. Shingles can become broken and warped from storms or variations in temperatures. Any damaged shingles should be replaced immediately by a proper roofing specialist to prevent water from coming into the home.
Higher Than Normal Utility Bills
If the weather is relatively normal for the season, but you notice your heat or air conditioning bill is abnormally high, it may be a sign that there is a problem with your roof. Your roof is meant to insulate your home from the weather changes, if your utility bills are high, it could indicate that the insulation in your roof is poor.
Sagging in the Roof
Any bowing or bulging areas on the ceiling of your home should be investigated immediately. This usually means that there is a considerable amount of water built up in your ceiling that has snuck through cracks or loose shingles in your roof.
Leaking in the Home
Even a small leak from the ceiling in your home can be a signal that there is water leaking into your roof. Ignoring these problems for too long can lead to a significant amount of water damage as well as encourage the growth of mold and mildew in the home.
If you want more information on how to protect your roof or need a quote on a home insurance policy, contact one of the experienced agents at Heydari Financial Group in Houston, TX today.